Call reports 2008
SHINHAN BANK AMERICA — 2008
What SHINHAN BANK AMERICA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 915,965,000 | 985,408,000 | 940,975,000 | 954,082,000 |
| Total loans | 732,612,000 | 762,866,000 | 789,837,000 | 806,931,000 |
| Allowance for loan losses | 5,418,000 | 5,676,000 | 8,252,000 | 12,500,000 |
| Securities available for sale | 91,046,000 | 83,680,000 | 77,069,000 | 75,814,000 |
| Securities held to maturity | 11,450,000 | 9,550,000 | 8,760,000 | 8,303,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 787,859,000 | 871,370,000 | 792,347,000 | 803,651,000 |
| Interest-bearing deposits | 689,412,000 | 748,750,000 | 677,328,000 | 694,178,000 |
| Noninterest-bearing deposits | 98,447,000 | 122,620,000 | 115,019,000 | 109,473,000 |
| Equity capital | 101,614,000 | 101,792,000 | 100,041,000 | 116,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 15,721,000 | 30,885,000 | 45,875,000 | 58,725,000 |
| Interest expense | 7,742,000 | 14,905,000 | 21,990,000 | 28,741,000 |
| Net interest income | 7,979,000 | 15,980,000 | 23,885,000 | 29,984,000 |
| Noninterest income | 1,142,000 | 2,775,000 | 4,328,000 | 6,089,000 |
| Noninterest expense | 6,286,000 | 12,787,000 | 19,403,000 | 26,901,000 |
| Provision for loan losses | 297,000 | 1,245,000 | 6,448,000 | 14,002,000 |
| Pretax income | 2,538,000 | 4,723,000 | 1,795,000 | -5,397,000 |
| Income tax | 1,093,000 | 2,023,000 | 770,000 | -2,805,000 |
| Net income | 1,445,000 | 2,700,000 | 1,025,000 | -2,592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,684,000 | 85,163,000 | 79,099,000 | 90,941,000 |
| Total capital | 89,212,000 | 90,839,000 | 87,351,000 | 100,450,000 |
| Risk-weighted assets | 783,279,000 | 830,031,000 | 833,642,000 | 757,628,000 |