Call reports 2001
SANDY SPRING BANK — 2001
What SANDY SPRING BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 1,899,614,000 | 1,938,784,000 | 2,027,418,000 | 2,072,583,000 |
| Total loans | 1,000,024,000 | 1,000,503,000 | 1,017,700,000 | 1,012,601,000 |
| Allowance for loan losses | 11,692,000 | 11,580,000 | 12,222,000 | 12,653,000 |
| Securities available for sale | 606,381,000 | 556,464,000 | 655,258,000 | 724,109,000 |
| Securities held to maturity | 122,533,000 | 183,030,000 | 170,509,000 | 164,921,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,268,554,000 | 1,309,486,000 | 1,342,153,000 | 1,393,884,000 |
| Interest-bearing deposits | 1,207,359,000 | 1,248,274,000 | 1,280,500,000 | 1,333,151,000 |
| Noninterest-bearing deposits | 61,195,000 | 61,212,000 | 61,653,000 | 60,733,000 |
| Equity capital | 128,932,000 | 132,479,000 | 139,108,000 | 138,777,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 32,013,000 | 64,199,000 | 96,777,000 | 127,453,000 |
| Interest expense | 16,557,000 | 32,545,000 | 47,833,000 | 60,972,000 |
| Net interest income | 15,456,000 | 31,654,000 | 48,944,000 | 66,481,000 |
| Noninterest income | 4,817,000 | 10,315,000 | 15,441,000 | 21,581,000 |
| Noninterest expense | 12,739,000 | 25,808,000 | 39,503,000 | 54,106,000 |
| Provision for loan losses | 492,000 | 984,000 | 1,726,000 | 2,470,000 |
| Pretax income | 7,172,000 | 15,307,000 | 23,433,000 | 31,832,000 |
| Income tax | 1,819,000 | 4,018,000 | 6,198,000 | 8,519,000 |
| Net income | 5,353,000 | 11,289,000 | 17,235,000 | 23,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 102,004,000 | 106,706,000 | 111,182,000 | 111,724,000 |
| Total capital | 147,465,000 | 152,062,000 | 157,140,000 | 158,117,000 |
| Risk-weighted assets | 1,149,794,000 | 1,158,785,000 | 1,197,085,000 | 1,202,842,000 |