Call reports 2005
WOORI AMERICA BANK — 2005
What WOORI AMERICA BANK 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 | 715,939,000 | 751,414,000 | 781,919,000 | 814,448,000 |
| Total loans | 486,750,000 | 540,122,000 | 560,860,000 | 574,943,000 |
| Allowance for loan losses | 4,138,000 | 4,609,000 | 5,089,000 | 5,132,000 |
| Securities available for sale | 105,313,000 | 79,448,000 | 93,961,000 | 81,505,000 |
| Securities held to maturity | 21,299,000 | 21,635,000 | 21,330,000 | 20,908,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 636,263,000 | 670,250,000 | 687,645,000 | 717,324,000 |
| Interest-bearing deposits | 351,282,000 | 353,280,000 | 378,134,000 | 402,944,000 |
| Noninterest-bearing deposits | 284,981,000 | 316,970,000 | 309,511,000 | 314,380,000 |
| Equity capital | 71,233,000 | 73,642,000 | 86,118,000 | 89,021,000 |
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 | 8,662,000 | 18,217,000 | 28,780,000 | 40,151,000 |
| Interest expense | 1,175,000 | 2,560,000 | 4,252,000 | 6,227,000 |
| Net interest income | 7,487,000 | 15,657,000 | 24,528,000 | 33,924,000 |
| Noninterest income | 2,291,000 | 4,997,000 | 7,497,000 | 9,767,000 |
| Noninterest expense | 5,648,000 | 11,836,000 | 17,979,000 | 24,724,000 |
| Provision for loan losses | 150,000 | 800,000 | 1,450,000 | 1,550,000 |
| Pretax income | 3,980,000 | 8,383,000 | 12,961,000 | 17,782,000 |
| Income tax | 1,791,000 | 3,772,000 | 5,833,000 | 7,678,000 |
| Net income | 2,189,000 | 4,611,000 | 7,128,000 | 10,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,569,000 | 51,064,000 | 63,656,000 | 65,704,000 |
| Total capital | 52,797,000 | 55,766,000 | 68,838,000 | 70,929,000 |
| Risk-weighted assets | 506,790,000 | 540,384,000 | 568,885,000 | 585,054,000 |