Call reports 2005
NEWALLIANCE BANK — 2005
What NEWALLIANCE 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 | 6,465,577,000 | 6,562,676,000 | 6,541,014,000 | 6,526,757,000 |
| Total loans | 3,147,659,000 | 3,204,023,000 | 3,240,694,000 | 3,277,951,000 |
| Allowance for loan losses | 36,679,000 | 36,181,000 | 35,667,000 | 35,552,000 |
| Securities available for sale | 2,519,375,000 | 2,522,724,000 | 2,427,987,000 | 2,343,355,000 |
| Securities held to maturity | 5,375,000 | 58,358,000 | 65,455,000 | 91,734,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,115,990,000 | 4,140,576,000 | 4,039,532,000 | 4,046,411,000 |
| Interest-bearing deposits | 3,666,183,000 | 3,653,687,000 | 3,555,037,000 | 3,533,235,000 |
| Noninterest-bearing deposits | 449,807,000 | 486,889,000 | 484,495,000 | 513,176,000 |
| Equity capital | 1,046,536,000 | 1,071,599,000 | 1,090,230,000 | 1,053,322,000 |
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 | 65,046,000 | 134,344,000 | 205,012,000 | 278,121,000 |
| Interest expense | 21,490,000 | 46,682,000 | 74,283,000 | 104,287,000 |
| Net interest income | 43,556,000 | 87,662,000 | 130,729,000 | 173,834,000 |
| Noninterest income | 8,639,000 | 18,199,000 | 30,909,000 | 42,118,000 |
| Noninterest expense | 32,214,000 | 63,856,000 | 94,557,000 | 127,634,000 |
| Provision for loan losses | 0 | 0 | 400,000 | 400,000 |
| Pretax income | 19,989,000 | 42,017,000 | 66,693,000 | 87,958,000 |
| Income tax | 6,678,000 | 13,938,000 | 22,928,000 | 30,233,000 |
| Net income | 13,311,000 | 28,079,000 | 43,765,000 | 57,725,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 592,548,000 | 610,315,000 | 630,228,000 | 601,971,000 |
| Total capital | 629,227,000 | 646,496,000 | 665,895,000 | 637,523,000 |
| Risk-weighted assets | 3,519,435,000 | 3,520,492,000 | 3,458,378,000 | 3,422,481,000 |