Call reports 2003
SHINHAN BANK AMERICA — 2003
What SHINHAN BANK AMERICA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 293,038,000 | 317,077,000 | 328,875,000 | 321,878,000 |
| Total loans | 226,812,000 | 253,456,000 | 259,013,000 | 257,183,000 |
| Allowance for loan losses | 4,870,000 | 4,133,000 | 4,408,000 | 3,550,000 |
| Securities available for sale | 6,955,000 | 6,913,000 | 6,827,000 | 5,752,000 |
| Securities held to maturity | 21,053,000 | 17,042,000 | 19,035,000 | 19,032,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,129,000 | 240,786,000 | 252,214,000 | 266,792,000 |
| Interest-bearing deposits | 167,868,000 | 190,358,000 | 196,337,000 | 210,367,000 |
| Noninterest-bearing deposits | 49,262,000 | 50,428,000 | 55,877,000 | 56,425,000 |
| Equity capital | 74,115,000 | 74,720,000 | 75,021,000 | 53,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,381,000 | 7,365,000 | 11,491,000 | 15,546,000 |
| Interest expense | 981,000 | 1,979,000 | 3,036,000 | 4,085,000 |
| Net interest income | 2,400,000 | 5,386,000 | 8,455,000 | 11,461,000 |
| Noninterest income | 909,000 | 1,744,000 | 2,582,000 | 3,291,000 |
| Noninterest expense | 2,541,000 | 5,262,000 | 7,924,000 | 10,735,000 |
| Provision for loan losses | 215,000 | 430,000 | 645,000 | 720,000 |
| Pretax income | 553,000 | 1,438,000 | 2,468,000 | 3,297,000 |
| Income tax | 284,000 | 610,000 | 1,257,000 | 1,393,000 |
| Net income | 269,000 | 828,000 | 1,211,000 | 1,904,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,012,000 | 74,406,000 | 74,789,000 | 53,480,000 |
| Total capital | 77,159,000 | 77,792,000 | 78,261,000 | 56,885,000 |
| Risk-weighted assets | 250,064,000 | 270,171,000 | 276,824,000 | 272,215,000 |