Call reports 2014
SANDY SPRING BANK — 2014
What SANDY SPRING BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 4,166,832,000 | 4,231,088,000 | 4,245,766,000 | 4,394,299,000 |
| Total loans | 2,835,892,000 | 2,919,986,000 | 2,982,568,000 | 3,137,904,000 |
| Allowance for loan losses | 38,026,000 | 37,959,000 | 37,574,000 | 37,802,000 |
| Securities available for sale | 735,547,000 | 720,162,000 | 691,384,000 | 671,486,000 |
| Securities held to maturity | 223,747,000 | 223,518,000 | 221,690,000 | 219,973,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,967,068,000 | 3,046,662,000 | 3,036,773,000 | 3,074,466,000 |
| Interest-bearing deposits | 2,084,821,000 | 2,061,898,000 | 2,050,177,000 | 2,080,708,000 |
| Noninterest-bearing deposits | 882,247,000 | 984,763,000 | 986,596,000 | 993,759,000 |
| Equity capital | 496,953,000 | 503,356,000 | 507,970,000 | 507,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 36,248,000 | 73,240,000 | 110,390,000 | 148,365,000 |
| Interest expense | 4,662,000 | 9,350,000 | 14,086,000 | 18,838,000 |
| Net interest income | 31,586,000 | 63,890,000 | 96,304,000 | 129,527,000 |
| Noninterest income | 11,248,000 | 22,934,000 | 35,434,000 | 46,753,000 |
| Noninterest expense | 27,283,000 | 61,147,000 | 89,455,000 | 119,628,000 |
| Provision for loan losses | -982,000 | -824,000 | -1,016,000 | -163,000 |
| Pretax income | 16,533,000 | 26,501,000 | 43,307,000 | 56,820,000 |
| Income tax | 5,397,000 | 8,196,000 | 13,671,000 | 17,847,000 |
| Net income | 11,136,000 | 18,305,000 | 29,636,000 | 38,973,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 411,292,000 | 414,097,000 | 420,634,000 | 425,029,000 |
| Total capital | 484,318,000 | 487,056,000 | 493,208,000 | 497,831,000 |
| Risk-weighted assets | 3,137,257,000 | 3,194,992,000 | 3,234,869,000 | 3,395,950,000 |