Call reports 2004
NEWMIL BANK — 2004
What NEWMIL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 714,490,000 | 730,830,000 | 730,523,000 | 744,675,000 |
| Total loans | 457,615,000 | 480,193,000 | 485,713,000 | 481,784,000 |
| Allowance for loan losses | 5,178,000 | 5,165,000 | 5,146,000 | 5,048,000 |
| Securities available for sale | 181,176,000 | 174,256,000 | 178,044,000 | 198,871,000 |
| Securities held to maturity | 13,813,000 | 13,227,000 | 12,812,000 | 12,457,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 562,519,000 | 586,918,000 | 587,815,000 | 588,343,000 |
| Interest-bearing deposits | 543,487,000 | 551,026,000 | 563,031,000 | 565,801,000 |
| Noninterest-bearing deposits | 19,032,000 | 35,892,000 | 24,784,000 | 22,542,000 |
| Equity capital | 60,706,000 | 60,866,000 | 63,262,000 | 64,239,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 8,858,000 | 17,580,000 | 26,469,000 | 35,485,000 |
| Interest expense | 2,146,000 | 4,272,000 | 6,487,000 | 8,815,000 |
| Net interest income | 6,712,000 | 13,308,000 | 19,982,000 | 26,670,000 |
| Noninterest income | 909,000 | 1,913,000 | 2,934,000 | 3,911,000 |
| Noninterest expense | 4,436,000 | 8,762,000 | 13,085,000 | 17,293,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,185,000 | 6,459,000 | 9,831,000 | 13,288,000 |
| Income tax | 879,000 | 1,827,000 | 2,827,000 | 3,819,000 |
| Net income | 2,306,000 | 4,632,000 | 7,004,000 | 9,469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,151,000 | 51,525,000 | 53,494,000 | 55,296,000 |
| Total capital | 54,329,000 | 56,690,000 | 58,640,000 | 60,344,000 |
| Risk-weighted assets | 419,565,000 | 426,922,000 | 424,305,000 | 427,200,000 |