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 | 77,498,000 | 84,776,000 | 91,490,000 | 104,531,000 |
| Total loans | 61,425,000 | 71,168,000 | 74,381,000 | 83,833,000 |
| Allowance for loan losses | 714,000 | 819,000 | 855,000 | 961,000 |
| Securities available for sale | 6,479,000 | 6,055,000 | 6,829,000 | 7,551,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,136,000 | 70,247,000 | 77,409,000 | 87,883,000 |
| Interest-bearing deposits | 59,012,000 | 61,781,000 | 69,090,000 | 76,243,000 |
| Noninterest-bearing deposits | 7,124,000 | 8,466,000 | 8,318,000 | 11,639,000 |
| Equity capital | 7,666,000 | 8,009,000 | 8,251,000 | 10,243,000 |
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 | 1,156,000 | 2,520,000 | 4,092,000 | 5,924,000 |
| Interest expense | 359,000 | 774,000 | 1,299,000 | 1,938,000 |
| Net interest income | 797,000 | 1,746,000 | 2,793,000 | 3,986,000 |
| Noninterest income | 115,000 | 250,000 | 394,000 | 543,000 |
| Noninterest expense | 625,000 | 1,315,000 | 2,050,000 | 2,876,000 |
| Provision for loan losses | 18,000 | 111,000 | 155,000 | 284,000 |
| Pretax income | 269,000 | 570,000 | 982,000 | 1,369,000 |
| Income tax | 19,000 | 37,000 | 65,000 | 90,000 |
| Net income | 250,000 | 533,000 | 917,000 | 1,279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,759,000 | 8,042,000 | 8,321,000 | 10,370,000 |
| Total capital | 8,473,000 | 8,861,000 | 9,176,000 | 11,331,000 |
| Risk-weighted assets | 68,773,000 | 76,707,000 | 79,186,000 | 89,252,000 |
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