Call reports 2008
SAEHAN BANK — 2008
What SAEHAN BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 860,527,000 | 887,751,000 | 887,458,000 | 841,846,000 |
| Total loans | 732,010,000 | 757,165,000 | 753,322,000 | 732,438,000 |
| Allowance for loan losses | 8,334,000 | 11,046,000 | 10,890,000 | 22,157,000 |
| Securities available for sale | 47,897,000 | 46,415,000 | 45,030,000 | 44,399,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 664,838,000 | 694,930,000 | 689,320,000 | 636,024,000 |
| Interest-bearing deposits | 531,651,000 | 550,531,000 | 549,248,000 | 520,239,000 |
| Noninterest-bearing deposits | 133,187,000 | 144,399,000 | 140,072,000 | 115,785,000 |
| Equity capital | 80,051,000 | 78,300,000 | 77,937,000 | 80,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 14,370,000 | 27,544,000 | 41,071,000 | 52,321,000 |
| Interest expense | 6,705,000 | 12,882,000 | 18,719,000 | 24,190,000 |
| Net interest income | 7,665,000 | 14,662,000 | 22,352,000 | 28,131,000 |
| Noninterest income | 1,414,000 | 2,873,000 | 4,141,000 | 5,259,000 |
| Noninterest expense | 5,700,000 | 11,627,000 | 17,110,000 | 23,264,000 |
| Provision for loan losses | 1,081,000 | 5,988,000 | 10,340,000 | 29,786,000 |
| Pretax income | 2,298,000 | -80,000 | -957,000 | -19,660,000 |
| Income tax | 691,000 | -212,000 | -810,000 | -8,306,000 |
| Net income | 1,607,000 | 132,000 | -147,000 | -11,354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,675,000 | 78,200,000 | 77,958,000 | 79,800,000 |
| Total capital | 88,326,000 | 88,381,000 | 88,190,000 | 89,777,000 |
| Risk-weighted assets | 780,669,000 | 813,303,000 | 817,619,000 | 785,518,000 |