Call reports 2005
SANDY SPRING BANK — 2005
What SANDY SPRING 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 | 2,279,655,000 | 2,343,435,000 | 2,382,579,000 | 2,458,790,000 |
| Total loans | 1,483,143,000 | 1,537,833,000 | 1,604,961,000 | 1,694,819,000 |
| Allowance for loan losses | 14,738,000 | 15,673,000 | 16,268,000 | 16,886,000 |
| Securities available for sale | 296,583,000 | 258,558,000 | 270,823,000 | 256,371,000 |
| Securities held to maturity | 304,909,000 | 302,362,000 | 301,227,000 | 295,648,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,757,110,000 | 1,788,534,000 | 1,813,156,000 | 1,807,737,000 |
| Interest-bearing deposits | 1,633,635,000 | 1,665,811,000 | 1,699,848,000 | 1,716,867,000 |
| Noninterest-bearing deposits | 123,475,000 | 122,723,000 | 113,308,000 | 90,870,000 |
| Equity capital | 184,987,000 | 193,611,000 | 201,140,000 | 214,557,000 |
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 | 28,136,000 | 57,323,000 | 88,661,000 | 122,011,000 |
| Interest expense | 6,908,000 | 14,624,000 | 23,500,000 | 33,935,000 |
| Net interest income | 21,228,000 | 42,699,000 | 65,161,000 | 88,076,000 |
| Noninterest income | 7,907,000 | 16,214,000 | 24,646,000 | 33,968,000 |
| Noninterest expense | 18,388,000 | 37,340,000 | 56,023,000 | 76,820,000 |
| Provision for loan losses | 100,000 | 1,000,000 | 1,600,000 | 2,600,000 |
| Pretax income | 10,662,000 | 21,413,000 | 33,027,000 | 44,128,000 |
| Income tax | 2,706,000 | 5,518,000 | 8,714,000 | 11,758,000 |
| Net income | 7,956,000 | 15,895,000 | 24,313,000 | 32,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 166,780,000 | 175,225,000 | 184,144,000 | 192,660,000 |
| Total capital | 216,518,000 | 225,898,000 | 235,412,000 | 244,546,000 |
| Risk-weighted assets | 1,633,966,000 | 1,684,829,000 | 1,742,726,000 | 1,874,508,000 |