Call reports 2007
MILLENNIUM BANK — 2007
What MILLENNIUM BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 161,732,000 | 195,592,000 | 212,399,000 | 231,357,000 |
| Total loans | 123,460,000 | 152,863,000 | 165,297,000 | 180,120,000 |
| Allowance for loan losses | 1,026,000 | 781,000 | 792,000 | 892,000 |
| Securities available for sale | 15,198,000 | 16,124,000 | 17,417,000 | 23,503,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,462,000 | 161,893,000 | 177,970,000 | 194,203,000 |
| Interest-bearing deposits | 111,483,000 | 137,854,000 | 151,133,000 | 166,663,000 |
| Noninterest-bearing deposits | 26,979,000 | 24,039,000 | 26,837,000 | 27,540,000 |
| Equity capital | 12,584,000 | 16,626,000 | 17,117,000 | 18,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,636,000 | 5,958,000 | 9,908,000 | 14,089,000 |
| Interest expense | 1,136,000 | 2,598,000 | 4,415,000 | 6,409,000 |
| Net interest income | 1,500,000 | 3,360,000 | 5,493,000 | 7,680,000 |
| Noninterest income | 148,000 | 376,000 | 620,000 | 940,000 |
| Noninterest expense | 1,933,000 | 3,978,000 | 6,151,000 | 8,424,000 |
| Provision for loan losses | 121,000 | 276,000 | 337,000 | 437,000 |
| Pretax income | -406,000 | -518,000 | -375,000 | -241,000 |
| Income tax | 0 | 0 | 0 | -500,000 |
| Net income | -406,000 | -518,000 | -375,000 | 259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,788,000 | 16,807,000 | 17,179,000 | 18,475,000 |
| Total capital | 13,814,000 | 17,588,000 | 17,971,000 | 19,367,000 |
| Risk-weighted assets | 135,457,000 | 161,469,000 | 177,274,000 | 190,653,000 |
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