Call reports 2015
SANDY SPRING BANK — 2015
What SANDY SPRING BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 4,399,036,000 | 4,502,731,000 | 4,605,808,000 | 4,650,220,000 |
| Total loans | 3,178,605,000 | 3,308,310,000 | 3,422,857,000 | 3,510,827,000 |
| Allowance for loan losses | 37,475,000 | 38,713,000 | 39,661,000 | 40,895,000 |
| Securities available for sale | 656,986,000 | 625,096,000 | 606,896,000 | 590,826,000 |
| Securities held to maturity | 217,557,000 | 214,766,000 | 214,542,000 | 206,165,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,113,215,000 | 3,262,332,000 | 3,287,682,000 | 3,271,778,000 |
| Interest-bearing deposits | 2,095,629,000 | 2,169,903,000 | 2,219,366,000 | 2,269,929,000 |
| Noninterest-bearing deposits | 1,017,585,000 | 1,092,429,000 | 1,068,315,000 | 1,001,849,000 |
| Equity capital | 516,558,000 | 498,923,000 | 506,839,000 | 510,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 38,070,000 | 76,919,000 | 117,198,000 | 158,233,000 |
| Interest expense | 4,703,000 | 9,624,000 | 14,830,000 | 20,129,000 |
| Net interest income | 33,367,000 | 67,295,000 | 102,368,000 | 138,104,000 |
| Noninterest income | 13,158,000 | 25,227,000 | 37,392,000 | 49,575,000 |
| Noninterest expense | 28,971,000 | 58,085,000 | 87,223,000 | 113,935,000 |
| Provision for loan losses | 597,000 | 1,815,000 | 3,521,000 | 5,371,000 |
| Pretax income | 16,957,000 | 32,641,000 | 49,036,000 | 68,409,000 |
| Income tax | 5,526,000 | 10,577,000 | 15,869,000 | 22,335,000 |
| Net income | 11,431,000 | 22,064,000 | 33,167,000 | 46,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 431,772,000 | 416,947,000 | 422,540,000 | 429,615,000 |
| Total capital | 504,247,000 | 490,660,000 | 497,201,000 | 505,510,000 |
| Risk-weighted assets | 3,361,829,000 | 3,480,527,000 | 3,594,336,000 | 3,636,501,000 |