Call reports 2005
SAEHAN BANK — 2005
What SAEHAN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 397,254,000 | 456,599,000 | 494,222,000 | 513,140,000 |
| Total loans | 319,031,000 | 380,992,000 | 401,134,000 | 425,867,000 |
| Allowance for loan losses | 3,898,000 | 4,350,000 | 4,647,000 | 4,687,000 |
| Securities available for sale | 50,386,000 | 46,440,000 | 50,400,000 | 55,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,589,000 | 367,401,000 | 409,165,000 | 422,032,000 |
| Interest-bearing deposits | 227,560,000 | 254,521,000 | 294,665,000 | 313,199,000 |
| Noninterest-bearing deposits | 103,029,000 | 112,880,000 | 114,500,000 | 108,833,000 |
| Equity capital | 33,181,000 | 37,244,000 | 38,936,000 | 44,355,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,731,000 | 12,693,000 | 20,853,000 | 30,210,000 |
| Interest expense | 1,388,000 | 3,234,000 | 5,624,000 | 8,769,000 |
| Net interest income | 4,343,000 | 9,459,000 | 15,229,000 | 21,441,000 |
| Noninterest income | 1,748,000 | 4,158,000 | 5,831,000 | 7,437,000 |
| Noninterest expense | 3,718,000 | 7,934,000 | 11,641,000 | 15,883,000 |
| Provision for loan losses | 370,000 | 720,000 | 1,260,000 | 1,451,000 |
| Pretax income | 2,003,000 | 4,963,000 | 8,159,000 | 11,544,000 |
| Income tax | 771,000 | 2,022,000 | 3,218,000 | 4,282,000 |
| Net income | 1,232,000 | 2,941,000 | 4,941,000 | 7,262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,612,000 | 37,324,000 | 39,303,000 | 44,891,000 |
| Total capital | 37,613,000 | 41,775,000 | 44,058,000 | 49,716,000 |
| Risk-weighted assets | 341,448,000 | 397,387,000 | 413,204,000 | 437,635,000 |