Call reports 2012
SANDY SPRING BANK — 2012
What SANDY SPRING BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 3,666,146,000 | 3,852,600,000 | 3,884,908,000 | 3,952,485,000 |
| Total loans | 2,289,518,000 | 2,500,905,000 | 2,508,869,000 | 2,567,278,000 |
| Allowance for loan losses | 45,061,000 | 45,265,000 | 42,618,000 | 42,957,000 |
| Securities available for sale | 878,265,000 | 808,158,000 | 833,942,000 | 824,859,000 |
| Securities held to maturity | 153,544,000 | 164,846,000 | 206,613,000 | 215,814,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,688,268,000 | 2,860,424,000 | 2,888,421,000 | 2,921,288,000 |
| Interest-bearing deposits | 2,002,137,000 | 2,096,522,000 | 2,069,490,000 | 2,073,640,000 |
| Noninterest-bearing deposits | 686,130,000 | 763,902,000 | 818,931,000 | 847,648,000 |
| Equity capital | 429,619,000 | 460,405,000 | 470,388,000 | 471,855,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 34,615,000 | 70,172,000 | 107,667,000 | 143,870,000 |
| Interest expense | 5,916,000 | 11,669,000 | 17,386,000 | 22,674,000 |
| Net interest income | 28,699,000 | 58,503,000 | 90,281,000 | 121,196,000 |
| Noninterest income | 10,900,000 | 21,960,000 | 33,755,000 | 45,702,000 |
| Noninterest expense | 26,398,000 | 54,662,000 | 81,394,000 | 108,020,000 |
| Provision for loan losses | 664,000 | 2,249,000 | 2,481,000 | 3,649,000 |
| Pretax income | 12,545,000 | 23,642,000 | 40,525,000 | 55,579,000 |
| Income tax | 3,919,000 | 7,647,000 | 13,366,000 | 18,266,000 |
| Net income | 8,626,000 | 15,995,000 | 27,159,000 | 37,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 335,859,000 | 360,220,000 | 368,781,000 | 372,982,000 |
| Total capital | 403,986,000 | 431,300,000 | 440,101,000 | 445,097,000 |
| Risk-weighted assets | 2,638,194,000 | 2,877,216,000 | 2,899,263,000 | 2,963,322,000 |