Call reports 2004
SHINHAN BANK AMERICA — 2004
What SHINHAN BANK AMERICA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 330,210,000 | 361,006,000 | 336,953,000 | 351,493,000 |
| Total loans | 271,031,000 | 274,131,000 | 266,857,000 | 256,880,000 |
| Allowance for loan losses | 3,577,000 | 2,359,000 | 2,552,000 | 2,498,000 |
| Securities available for sale | 5,670,000 | 5,572,000 | 1,037,000 | 6,227,000 |
| Securities held to maturity | 23,387,000 | 24,388,000 | 33,572,000 | 29,542,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,523,000 | 305,049,000 | 280,164,000 | 293,704,000 |
| Interest-bearing deposits | 218,462,000 | 249,377,000 | 222,178,000 | 232,050,000 |
| Noninterest-bearing deposits | 56,061,000 | 55,671,000 | 57,986,000 | 61,654,000 |
| Equity capital | 54,097,000 | 54,513,000 | 55,408,000 | 56,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,006,000 | 8,201,000 | 12,415,000 | 17,252,000 |
| Interest expense | 1,159,000 | 2,406,000 | 3,693,000 | 4,986,000 |
| Net interest income | 2,847,000 | 5,795,000 | 8,722,000 | 12,266,000 |
| Noninterest income | 807,000 | 1,541,000 | 2,439,000 | 3,207,000 |
| Noninterest expense | 2,642,000 | 5,213,000 | 7,935,000 | 10,793,000 |
| Provision for loan losses | 0 | 300,000 | 420,000 | 480,000 |
| Pretax income | 1,012,000 | 1,823,000 | 2,806,000 | 4,200,000 |
| Income tax | 454,000 | 754,000 | 808,000 | 1,143,000 |
| Net income | 558,000 | 1,069,000 | 1,998,000 | 3,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,039,000 | 54,550,000 | 55,478,000 | 56,538,000 |
| Total capital | 57,594,000 | 56,909,000 | 58,030,000 | 59,036,000 |
| Risk-weighted assets | 284,383,000 | 293,434,000 | 279,187,000 | 281,108,000 |