Call reports 2006
SAEHAN BANK — 2006
What SAEHAN BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 523,587,000 | 535,459,000 | 598,368,000 | 627,731,000 |
| Total loans | 419,834,000 | 435,770,000 | 478,854,000 | 529,890,000 |
| Allowance for loan losses | 5,476,000 | 5,371,000 | 5,146,000 | 5,478,000 |
| Securities available for sale | 53,131,000 | 53,638,000 | 55,976,000 | 56,065,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 436,061,000 | 461,476,000 | 526,187,000 | 523,326,000 |
| Interest-bearing deposits | 320,501,000 | 348,201,000 | 413,089,000 | 399,587,000 |
| Noninterest-bearing deposits | 115,560,000 | 113,275,000 | 113,098,000 | 123,739,000 |
| Equity capital | 45,622,000 | 47,250,000 | 49,715,000 | 51,638,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 9,742,000 | 19,844,000 | 31,041,000 | 43,195,000 |
| Interest expense | 3,540,000 | 7,473,000 | 12,342,000 | 17,730,000 |
| Net interest income | 6,202,000 | 12,371,000 | 18,699,000 | 25,465,000 |
| Noninterest income | 2,104,000 | 3,534,000 | 5,023,000 | 6,900,000 |
| Noninterest expense | 4,790,000 | 9,432,000 | 14,301,000 | 19,433,000 |
| Provision for loan losses | 796,000 | 796,000 | 796,000 | 1,366,000 |
| Pretax income | 2,720,000 | 5,677,000 | 8,625,000 | 11,566,000 |
| Income tax | 1,143,000 | 2,184,000 | 3,212,000 | 4,397,000 |
| Net income | 1,577,000 | 3,493,000 | 5,413,000 | 7,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,488,000 | 48,412,000 | 50,390,000 | 52,160,000 |
| Total capital | 51,932,000 | 53,926,000 | 55,678,000 | 57,986,000 |
| Risk-weighted assets | 432,880,000 | 451,222,000 | 499,542,000 | 542,647,000 |