Call reports 2009
SAEHAN BANK — 2009
What SAEHAN BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 912,454,000 | 948,336,000 | 829,245,000 | 667,456,000 |
| Total loans | 717,480,000 | 671,961,000 | 611,050,000 | 575,309,000 |
| Allowance for loan losses | 21,441,000 | 42,722,000 | 43,166,000 | 42,037,000 |
| Securities available for sale | 40,686,000 | 86,168,000 | 75,617,000 | 43,863,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 751,843,000 | 805,707,000 | 712,322,000 | 576,621,000 |
| Interest-bearing deposits | 627,490,000 | 677,661,000 | 581,099,000 | 449,695,000 |
| Noninterest-bearing deposits | 124,353,000 | 128,046,000 | 131,223,000 | 126,926,000 |
| Equity capital | 80,470,000 | 60,297,000 | 53,122,000 | 26,541,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 10,025,000 | 19,700,000 | 28,850,000 | 37,373,000 |
| Interest expense | 4,961,000 | 11,221,000 | 16,736,000 | 20,670,000 |
| Net interest income | 5,064,000 | 8,479,000 | 12,114,000 | 16,703,000 |
| Noninterest income | 424,000 | 540,000 | 2,844,000 | 1,372,000 |
| Noninterest expense | 5,088,000 | 11,571,000 | 17,653,000 | 23,931,000 |
| Provision for loan losses | 230,000 | 35,126,000 | 47,506,000 | 50,815,000 |
| Pretax income | 170,000 | -37,668,000 | -50,177,000 | -56,313,000 |
| Income tax | 26,000 | -15,712,000 | -20,903,000 | -786,000 |
| Net income | 144,000 | -21,956,000 | -29,274,000 | -55,527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,643,000 | 45,887,000 | 32,767,000 | 26,272,000 |
| Total capital | 88,295,000 | 55,322,000 | 41,436,000 | 34,284,000 |
| Risk-weighted assets | 759,857,000 | 719,937,000 | 656,582,000 | 605,074,000 |