Call reports 2004
MILLENNIUM BANK — 2004
What MILLENNIUM 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 | 43,399,000 | 43,794,000 | 49,385,000 | 48,373,000 |
| Total loans | 18,949,000 | 23,099,000 | 25,403,000 | 26,902,000 |
| Allowance for loan losses | 181,000 | 191,000 | 191,000 | 194,000 |
| Securities available for sale | 3,174,000 | 17,467,000 | 17,696,000 | 17,024,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,388,000 | 34,916,000 | 42,290,000 | 40,426,000 |
| Interest-bearing deposits | 36,227,000 | 32,333,000 | 39,730,000 | 37,713,000 |
| Noninterest-bearing deposits | 2,161,000 | 2,583,000 | 2,560,000 | 2,713,000 |
| Equity capital | 3,707,000 | 3,271,000 | 3,820,000 | 3,638,000 |
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 | 413,000 | 844,000 | 1,368,000 | 1,953,000 |
| Interest expense | 143,000 | 292,000 | 452,000 | 612,000 |
| Net interest income | 270,000 | 552,000 | 916,000 | 1,341,000 |
| Noninterest income | 20,000 | 47,000 | 92,000 | 126,000 |
| Noninterest expense | 376,000 | 754,000 | 1,119,000 | 1,607,000 |
| Provision for loan losses | 8,000 | 18,000 | 18,000 | 21,000 |
| Pretax income | -75,000 | -151,000 | -107,000 | -153,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -75,000 | -151,000 | -107,000 | -153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,751,000 | 3,776,000 | 3,887,000 | 3,839,000 |
| Total capital | 3,932,000 | 3,967,000 | 4,078,000 | 4,033,000 |
| Risk-weighted assets | 22,124,000 | 27,182,000 | 29,459,000 | 27,657,000 |
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