Call reports 2008
MILLENNIUM BANK — 2008
What MILLENNIUM BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 258,457,000 | 271,442,000 | 293,799,000 | 297,322,000 |
| Total loans | 200,617,000 | 224,807,000 | 233,751,000 | 236,234,000 |
| Allowance for loan losses | 1,019,000 | 1,213,000 | 1,390,000 | 1,954,000 |
| Securities available for sale | 17,866,000 | 19,368,000 | 33,296,000 | 41,695,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,990,000 | 230,724,000 | 251,749,000 | 250,720,000 |
| Interest-bearing deposits | 191,945,000 | 203,931,000 | 222,920,000 | 220,968,000 |
| Noninterest-bearing deposits | 29,045,000 | 26,793,000 | 28,829,000 | 29,752,000 |
| Equity capital | 20,375,000 | 23,101,000 | 24,807,000 | 25,164,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,275,000 | 8,819,000 | 13,404,000 | 18,003,000 |
| Interest expense | 1,931,000 | 3,789,000 | 5,719,000 | 7,644,000 |
| Net interest income | 2,344,000 | 5,030,000 | 7,685,000 | 10,359,000 |
| Noninterest income | 256,000 | 540,000 | 728,000 | 964,000 |
| Noninterest expense | 2,329,000 | 4,790,000 | 7,115,000 | 9,422,000 |
| Provision for loan losses | 127,000 | 323,000 | 500,000 | 1,130,000 |
| Pretax income | 144,000 | 457,000 | 798,000 | 771,000 |
| Income tax | -40,000 | -240,000 | -240,000 | -240,000 |
| Net income | 184,000 | 697,000 | 1,038,000 | 1,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,296,000 | 23,314,000 | 24,674,000 | 24,698,000 |
| Total capital | 21,315,000 | 24,527,000 | 26,064,000 | 26,652,000 |
| Risk-weighted assets | 209,531,000 | 230,424,000 | 244,201,000 | 242,006,000 |
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