Call reports 2003
NEWALLIANCE BANK — 2003
What NEWALLIANCE 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 | 2,393,637,000 | 2,452,904,000 | 2,473,203,000 | 2,536,636,000 |
| Total loans | 1,180,126,000 | 1,212,104,000 | 1,274,173,000 | 1,307,455,000 |
| Allowance for loan losses | 18,932,000 | 17,385,000 | 18,808,000 | 17,938,000 |
| Securities available for sale | 1,100,558,000 | 1,124,044,000 | 1,096,619,000 | 1,120,280,000 |
| Securities held to maturity | 650,000 | 650,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,837,165,000 | 1,850,712,000 | 1,835,540,000 | 1,829,278,000 |
| Interest-bearing deposits | 1,652,222,000 | 1,666,075,000 | 1,639,815,000 | 1,631,557,000 |
| Noninterest-bearing deposits | 184,943,000 | 184,637,000 | 195,725,000 | 197,721,000 |
| Equity capital | 396,149,000 | 402,117,000 | 403,803,000 | 406,000,000 |
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 | 27,766,000 | 54,355,000 | 80,137,000 | 106,951,000 |
| Interest expense | 8,138,000 | 15,653,000 | 22,856,000 | 30,396,000 |
| Net interest income | 19,628,000 | 38,702,000 | 57,281,000 | 76,555,000 |
| Noninterest income | 3,198,000 | 6,112,000 | 10,281,000 | 13,250,000 |
| Noninterest expense | 14,481,000 | 28,370,000 | 45,793,000 | 63,548,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 8,942,000 | 17,041,000 | 22,496,000 | 27,007,000 |
| Income tax | 3,102,000 | 5,888,000 | 7,755,000 | 9,091,000 |
| Net income | 5,840,000 | 11,153,000 | 14,741,000 | 17,916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 389,295,000 | 397,533,000 | 401,065,000 | 404,268,000 |
| Total capital | 407,207,000 | 415,435,000 | 419,486,000 | 422,216,000 |
| Risk-weighted assets | 1,431,973,000 | 1,428,876,000 | 1,471,418,000 | 1,499,899,000 |