Call reports 2007
SHINHAN BANK AMERICA — 2007
What SHINHAN BANK AMERICA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 618,875,000 | 683,449,000 | 717,949,000 | 911,514,000 |
| Total loans | 470,548,000 | 519,196,000 | 582,482,000 | 703,446,000 |
| Allowance for loan losses | 2,576,000 | 2,878,000 | 3,998,000 | 5,431,000 |
| Securities available for sale | 82,962,000 | 92,307,000 | 88,116,000 | 91,287,000 |
| Securities held to maturity | 20,587,000 | 19,800,000 | 18,995,000 | 18,218,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 532,831,000 | 606,731,000 | 600,530,000 | 802,021,000 |
| Interest-bearing deposits | 453,837,000 | 507,270,000 | 511,282,000 | 695,830,000 |
| Noninterest-bearing deposits | 78,994,000 | 99,461,000 | 89,248,000 | 106,190,000 |
| Equity capital | 66,283,000 | 66,877,000 | 68,011,000 | 98,823,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 11,342,000 | 23,647,000 | 36,476,000 | 51,357,000 |
| Interest expense | 5,664,000 | 11,573,000 | 18,088,000 | 25,769,000 |
| Net interest income | 5,678,000 | 12,074,000 | 18,388,000 | 25,588,000 |
| Noninterest income | 1,044,000 | 2,569,000 | 3,727,000 | 4,944,000 |
| Noninterest expense | 5,375,000 | 10,637,000 | 16,086,000 | 21,317,000 |
| Provision for loan losses | 140,000 | 535,000 | 1,801,000 | 2,253,000 |
| Pretax income | 1,207,000 | 3,471,000 | 4,228,000 | 6,962,000 |
| Income tax | 518,000 | 1,497,000 | 1,812,000 | 3,036,000 |
| Net income | 689,000 | 1,974,000 | 2,416,000 | 3,926,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,065,000 | 67,350,000 | 67,792,000 | 81,755,000 |
| Total capital | 68,640,000 | 70,228,000 | 71,790,000 | 87,287,000 |
| Risk-weighted assets | 501,719,000 | 554,768,000 | 621,238,000 | 771,474,000 |