Call reports 2003
MILLENNIUM BANK — 2003
What MILLENNIUM BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 51,707,000 | 59,198,000 | 54,228,000 | 53,327,000 |
| Total loans | 38,464,000 | 42,128,000 | 35,907,000 | 35,390,000 |
| Allowance for loan losses | 584,000 | 593,000 | 582,000 | 594,000 |
| Securities available for sale | 6,316,000 | 6,078,000 | 7,310,000 | 6,990,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,030,000 | 49,338,000 | 43,327,000 | 42,281,000 |
| Interest-bearing deposits | 33,370,000 | 39,135,000 | 37,575,000 | 36,999,000 |
| Noninterest-bearing deposits | 8,660,000 | 10,204,000 | 5,751,000 | 5,283,000 |
| Equity capital | 7,023,000 | 7,122,000 | 7,175,000 | 7,198,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 669,000 | 1,400,000 | 2,135,000 | 2,840,000 |
| Interest expense | 220,000 | 441,000 | 688,000 | 915,000 |
| Net interest income | 449,000 | 959,000 | 1,447,000 | 1,925,000 |
| Noninterest income | 164,000 | 372,000 | 564,000 | 693,000 |
| Noninterest expense | 471,000 | 1,012,000 | 1,573,000 | 2,083,000 |
| Provision for loan losses | 0 | 75,000 | 75,000 | 135,000 |
| Pretax income | 142,000 | 244,000 | 363,000 | 400,000 |
| Income tax | 9,000 | 21,000 | 24,000 | 30,000 |
| Net income | 133,000 | 223,000 | 339,000 | 370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,907,000 | 6,996,000 | 7,112,000 | 7,144,000 |
| Total capital | 7,383,000 | 7,525,000 | 7,607,000 | 7,649,000 |
| Risk-weighted assets | 37,934,000 | 42,277,000 | 39,479,000 | 40,315,000 |
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