Call reports 2005
SHINHAN BANK AMERICA — 2005
What SHINHAN BANK AMERICA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 375,032,000 | 409,767,000 | 439,624,000 | 461,199,000 |
| Total loans | 282,143,000 | 298,463,000 | 322,072,000 | 349,399,000 |
| Allowance for loan losses | 2,749,000 | 2,612,000 | 2,952,000 | 2,797,000 |
| Securities available for sale | 10,728,000 | 14,916,000 | 21,233,000 | 26,053,000 |
| Securities held to maturity | 27,666,000 | 27,660,000 | 27,641,000 | 30,558,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 315,432,000 | 348,989,000 | 373,574,000 | 396,378,000 |
| Interest-bearing deposits | 250,102,000 | 286,843,000 | 312,046,000 | 324,440,000 |
| Noninterest-bearing deposits | 65,330,000 | 62,146,000 | 61,528,000 | 71,938,000 |
| Equity capital | 57,245,000 | 58,168,000 | 60,344,000 | 61,509,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,157,000 | 10,764,000 | 17,605,000 | 25,617,000 |
| Interest expense | 1,388,000 | 3,365,000 | 6,151,000 | 9,366,000 |
| Net interest income | 3,769,000 | 7,399,000 | 11,454,000 | 16,251,000 |
| Noninterest income | 945,000 | 1,888,000 | 7,447,000 | 8,714,000 |
| Noninterest expense | 3,015,000 | 6,103,000 | 11,572,000 | 15,455,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,549,000 | 2,884,000 | 6,879,000 | 8,910,000 |
| Income tax | 690,000 | 1,196,000 | 2,892,000 | 3,721,000 |
| Net income | 859,000 | 1,688,000 | 3,987,000 | 5,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,397,000 | 58,225,000 | 60,525,000 | 61,727,000 |
| Total capital | 60,146,000 | 60,837,000 | 63,477,000 | 64,524,000 |
| Risk-weighted assets | 300,488,000 | 320,474,000 | 339,792,000 | 364,440,000 |