Call reports 2005
MILLENNIUM BANK — 2005
What MILLENNIUM 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 | 47,161,000 | 48,205,000 | 52,857,000 | 58,742,000 |
| Total loans | 27,388,000 | 27,811,000 | 27,890,000 | 32,405,000 |
| Allowance for loan losses | 201,000 | 212,000 | 201,000 | 229,000 |
| Securities available for sale | 16,077,000 | 15,901,000 | 15,662,000 | 15,332,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,398,000 | 37,921,000 | 42,553,000 | 51,332,000 |
| Interest-bearing deposits | 37,069,000 | 31,963,000 | 36,460,000 | 41,898,000 |
| Noninterest-bearing deposits | 3,329,000 | 5,958,000 | 6,093,000 | 9,434,000 |
| Equity capital | 3,514,000 | 3,558,000 | 3,528,000 | 4,135,000 |
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 | 615,000 | 1,303,000 | 2,044,000 | 2,878,000 |
| Interest expense | 165,000 | 347,000 | 594,000 | 871,000 |
| Net interest income | 450,000 | 956,000 | 1,450,000 | 2,007,000 |
| Noninterest income | 37,000 | 70,000 | 113,000 | 150,000 |
| Noninterest expense | 408,000 | 889,000 | 1,436,000 | 2,117,000 |
| Provision for loan losses | 7,000 | 21,000 | 21,000 | 51,000 |
| Pretax income | 68,000 | 112,000 | 102,000 | -15,000 |
| Income tax | 0 | 0 | 0 | -23,000 |
| Net income | 68,000 | 112,000 | 102,000 | 8,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,024,000 | 4,068,000 | 4,062,000 | 4,528,000 |
| Total capital | 4,225,000 | 4,280,000 | 4,263,000 | 4,757,000 |
| Risk-weighted assets | 25,062,000 | 27,609,000 | 31,012,000 | 36,263,000 |
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