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 | 112,862,000 | 117,826,000 | 118,660,000 | 125,977,000 |
| Total loans | 94,071,000 | 98,205,000 | 101,122,000 | 110,566,000 |
| Allowance for loan losses | 1,084,000 | 1,132,000 | 1,163,000 | 1,228,000 |
| Securities available for sale | 8,074,000 | 8,246,000 | 8,298,000 | 8,664,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,209,000 | 100,131,000 | 100,291,000 | 98,905,000 |
| Interest-bearing deposits | 82,755,000 | 86,597,000 | 87,024,000 | 85,795,000 |
| Noninterest-bearing deposits | 12,454,000 | 13,535,000 | 13,267,000 | 13,110,000 |
| Equity capital | 11,382,000 | 11,840,000 | 12,166,000 | 12,964,000 |
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 | 2,327,000 | 4,786,000 | 7,261,000 | 9,743,000 |
| Interest expense | 957,000 | 1,969,000 | 3,024,000 | 4,097,000 |
| Net interest income | 1,370,000 | 2,817,000 | 4,237,000 | 5,646,000 |
| Noninterest income | 155,000 | 287,000 | 434,000 | 550,000 |
| Noninterest expense | 823,000 | 1,618,000 | 2,572,000 | 3,543,000 |
| Provision for loan losses | 14,000 | 64,000 | 129,000 | 199,000 |
| Pretax income | 688,000 | 1,422,000 | 1,970,000 | 2,454,000 |
| Income tax | 45,000 | 93,000 | 129,000 | 161,000 |
| Net income | 643,000 | 1,329,000 | 1,841,000 | 2,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,429,000 | 11,997,000 | 12,207,000 | 12,928,000 |
| Total capital | 12,513,000 | 13,129,000 | 13,370,000 | 14,156,000 |
| Risk-weighted assets | 100,669,000 | 104,085,000 | 107,947,000 | 115,119,000 |
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