Call reports 2007
SAEHAN BANK — 2007
What SAEHAN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 676,312,000 | 730,716,000 | 780,290,000 | 821,912,000 |
| Total loans | 581,385,000 | 619,268,000 | 685,082,000 | 696,024,000 |
| Allowance for loan losses | 5,911,000 | 6,222,000 | 6,498,000 | 8,249,000 |
| Securities available for sale | 55,161,000 | 53,721,000 | 53,500,000 | 52,681,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 541,471,000 | 564,474,000 | 597,043,000 | 642,028,000 |
| Interest-bearing deposits | 417,828,000 | 438,083,000 | 471,554,000 | 519,843,000 |
| Noninterest-bearing deposits | 123,643,000 | 126,391,000 | 125,489,000 | 122,185,000 |
| Equity capital | 71,375,000 | 73,730,000 | 76,553,000 | 78,107,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 12,923,000 | 27,205,000 | 41,774,000 | 56,930,000 |
| Interest expense | 5,677,000 | 11,738,000 | 18,281,000 | 25,321,000 |
| Net interest income | 7,246,000 | 15,467,000 | 23,493,000 | 31,609,000 |
| Noninterest income | 1,959,000 | 5,355,000 | 7,271,000 | 9,022,000 |
| Noninterest expense | 6,084,000 | 12,975,000 | 18,999,000 | 23,878,000 |
| Provision for loan losses | 660,000 | 966,000 | 1,232,000 | 3,983,000 |
| Pretax income | 2,461,000 | 6,881,000 | 10,533,000 | 12,770,000 |
| Income tax | 839,000 | 2,660,000 | 3,881,000 | 4,824,000 |
| Net income | 1,622,000 | 4,221,000 | 6,652,000 | 7,946,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,820,000 | 74,399,000 | 76,830,000 | 78,117,000 |
| Total capital | 77,771,000 | 80,975,000 | 83,672,000 | 86,683,000 |
| Risk-weighted assets | 608,535,000 | 660,433,000 | 712,171,000 | 739,922,000 |