Call reports 2006
SANDY SPRING BANK — 2006
What SANDY SPRING BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 2,498,547,000 | 2,585,161,000 | 2,597,166,000 | 2,609,042,000 |
| Total loans | 1,751,881,000 | 1,791,415,000 | 1,836,601,000 | 1,816,175,000 |
| Allowance for loan losses | 17,860,000 | 18,910,000 | 19,433,000 | 19,492,000 |
| Securities available for sale | 235,206,000 | 290,967,000 | 261,445,000 | 256,645,000 |
| Securities held to maturity | 290,684,000 | 279,221,000 | 272,143,000 | 267,344,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,843,853,000 | 1,822,066,000 | 1,952,052,000 | 1,998,200,000 |
| Interest-bearing deposits | 1,747,046,000 | 1,730,000,000 | 1,863,042,000 | 1,921,724,000 |
| Noninterest-bearing deposits | 96,807,000 | 92,066,000 | 89,010,000 | 76,476,000 |
| Equity capital | 219,473,000 | 223,911,000 | 230,322,000 | 234,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 35,176,000 | 73,049,000 | 113,068,000 | 153,443,000 |
| Interest expense | 12,007,000 | 26,034,000 | 41,936,000 | 58,733,000 |
| Net interest income | 23,169,000 | 47,015,000 | 71,132,000 | 94,710,000 |
| Noninterest income | 9,944,000 | 19,474,000 | 29,197,000 | 39,395,000 |
| Noninterest expense | 20,076,000 | 40,602,000 | 62,066,000 | 84,041,000 |
| Provision for loan losses | 950,000 | 1,995,000 | 2,545,000 | 2,795,000 |
| Pretax income | 12,087,000 | 23,893,000 | 35,719,000 | 47,270,000 |
| Income tax | 3,523,000 | 6,973,000 | 10,408,000 | 13,360,000 |
| Net income | 8,564,000 | 16,920,000 | 25,311,000 | 33,910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 196,718,000 | 202,531,000 | 206,637,000 | 215,137,000 |
| Total capital | 249,578,000 | 256,441,000 | 261,070,000 | 269,629,000 |
| Risk-weighted assets | 1,915,040,000 | 1,980,757,000 | 2,002,752,000 | 2,004,615,000 |