Call reports 2004
SAEHAN BANK — 2004
What SAEHAN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 298,632,000 | 306,551,000 | 337,461,000 | 368,637,000 |
| Total loans | 234,797,000 | 241,500,000 | 261,668,000 | 299,602,000 |
| Allowance for loan losses | 3,437,000 | 3,453,000 | 3,473,000 | 3,440,000 |
| Securities available for sale | 35,281,000 | 37,862,000 | 42,190,000 | 39,740,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,415,000 | 263,298,000 | 293,449,000 | 306,682,000 |
| Interest-bearing deposits | 176,342,000 | 169,761,000 | 199,788,000 | 204,042,000 |
| Noninterest-bearing deposits | 90,073,000 | 93,537,000 | 93,661,000 | 102,640,000 |
| Equity capital | 28,806,000 | 29,531,000 | 31,216,000 | 32,373,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,989,000 | 7,884,000 | 12,155,000 | 17,153,000 |
| Interest expense | 787,000 | 1,545,000 | 2,439,000 | 3,557,000 |
| Net interest income | 3,202,000 | 6,339,000 | 9,716,000 | 13,596,000 |
| Noninterest income | 1,600,000 | 3,983,000 | 5,433,000 | 6,860,000 |
| Noninterest expense | 2,942,000 | 6,095,000 | 9,018,000 | 12,164,000 |
| Provision for loan losses | 87,000 | 137,000 | 137,000 | 437,000 |
| Pretax income | 1,773,000 | 4,090,000 | 5,994,000 | 7,715,000 |
| Income tax | 734,000 | 1,727,000 | 2,325,000 | 2,852,000 |
| Net income | 1,039,000 | 2,363,000 | 3,669,000 | 4,863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,581,000 | 29,866,000 | 31,131,000 | 32,410,000 |
| Total capital | 31,754,000 | 33,154,000 | 34,668,000 | 35,953,000 |
| Risk-weighted assets | 253,493,000 | 262,786,000 | 282,952,000 | 314,589,000 |