Call reports 2003
NEWMIL BANK — 2003
What NEWMIL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 685,272,000 | 681,204,000 | 682,123,000 | 704,138,000 |
| Total loans | 394,918,000 | 425,674,000 | 455,095,000 | 454,945,000 |
| Allowance for loan losses | 5,249,000 | 5,245,000 | 5,224,000 | 5,198,000 |
| Securities available for sale | 172,214,000 | 157,657,000 | 135,619,000 | 180,458,000 |
| Securities held to maturity | 21,366,000 | 18,873,000 | 16,841,000 | 14,588,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 563,648,000 | 572,734,000 | 563,352,000 | 561,987,000 |
| Interest-bearing deposits | 507,342,000 | 521,549,000 | 514,447,000 | 508,406,000 |
| Noninterest-bearing deposits | 56,306,000 | 51,185,000 | 48,905,000 | 53,581,000 |
| Equity capital | 54,753,000 | 55,712,000 | 56,930,000 | 58,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 8,802,000 | 17,620,000 | 26,389,000 | 35,302,000 |
| Interest expense | 2,766,000 | 5,400,000 | 7,783,000 | 10,053,000 |
| Net interest income | 6,036,000 | 12,220,000 | 18,606,000 | 25,249,000 |
| Noninterest income | 817,000 | 1,720,000 | 2,736,000 | 3,827,000 |
| Noninterest expense | 4,154,000 | 8,382,000 | 12,745,000 | 17,450,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,699,000 | 5,558,000 | 8,597,000 | 11,653,000 |
| Income tax | 809,000 | 1,636,000 | 2,525,000 | 3,414,000 |
| Net income | 1,890,000 | 3,922,000 | 6,072,000 | 8,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,263,000 | 42,356,000 | 44,567,000 | 46,795,000 |
| Total capital | 45,080,000 | 47,301,000 | 49,666,000 | 51,993,000 |
| Risk-weighted assets | 384,964,000 | 395,312,000 | 407,834,000 | 420,557,000 |