Call reports 2005
NEWMIL BANK — 2005
What NEWMIL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 790,026,000 | 812,580,000 | 857,365,000 | 873,043,000 |
| Total loans | 482,018,000 | 495,516,000 | 501,498,000 | 497,765,000 |
| Allowance for loan losses | 5,001,000 | 4,981,000 | 4,986,000 | 4,949,000 |
| Securities available for sale | 239,838,000 | 244,795,000 | 284,829,000 | 301,985,000 |
| Securities held to maturity | 11,885,000 | 11,322,000 | 11,130,000 | 10,470,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 605,389,000 | 604,181,000 | 601,755,000 | 616,393,000 |
| Interest-bearing deposits | 580,463,000 | 573,287,000 | 573,343,000 | 580,181,000 |
| Noninterest-bearing deposits | 24,926,000 | 30,894,000 | 28,412,000 | 36,212,000 |
| Equity capital | 63,604,000 | 64,101,000 | 63,110,000 | 62,597,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 9,291,000 | 19,139,000 | 29,367,000 | 40,290,000 |
| Interest expense | 2,544,000 | 5,654,000 | 9,314,000 | 13,624,000 |
| Net interest income | 6,747,000 | 13,485,000 | 20,053,000 | 26,666,000 |
| Noninterest income | 939,000 | 1,972,000 | 2,946,000 | 4,288,000 |
| Noninterest expense | 4,205,000 | 8,578,000 | 12,914,000 | 17,559,000 |
| Provision for loan losses | 0 | 0 | -135,000 | -135,000 |
| Pretax income | 3,481,000 | 6,879,000 | 10,220,000 | 13,530,000 |
| Income tax | 962,000 | 1,548,000 | 2,465,000 | 3,327,000 |
| Net income | 2,519,000 | 5,331,000 | 7,755,000 | 10,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,010,000 | 55,907,000 | 56,544,000 | 57,105,000 |
| Total capital | 62,011,000 | 60,888,000 | 61,530,000 | 62,054,000 |
| Risk-weighted assets | 441,375,000 | 466,264,000 | 472,243,000 | 476,301,000 |