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 | 124,563,000 | 138,239,000 | 134,951,000 | 136,919,000 |
| Total loans | 109,775,000 | 111,897,000 | 115,091,000 | 115,906,000 |
| Allowance for loan losses | 1,225,000 | 1,218,000 | 2,433,000 | 1,035,000 |
| Securities available for sale | 8,042,000 | 13,556,000 | 11,934,000 | 8,346,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,005,000 | 118,710,000 | 116,650,000 | 118,224,000 |
| Interest-bearing deposits | 88,803,000 | 105,905,000 | 103,253,000 | 105,357,000 |
| Noninterest-bearing deposits | 12,202,000 | 12,805,000 | 13,397,000 | 12,867,000 |
| Equity capital | 13,127,000 | 13,077,000 | 12,167,000 | 12,507,000 |
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 | 2,275,000 | 4,359,000 | 6,365,000 | 8,394,000 |
| Interest expense | 1,048,000 | 2,042,000 | 3,019,000 | 3,964,000 |
| Net interest income | 1,227,000 | 2,317,000 | 3,346,000 | 4,430,000 |
| Noninterest income | 123,000 | 249,000 | 374,000 | 477,000 |
| Noninterest expense | 999,000 | 1,934,000 | 2,862,000 | 3,850,000 |
| Provision for loan losses | 0 | 0 | 1,280,000 | 1,280,000 |
| Pretax income | 351,000 | 632,000 | -422,000 | -223,000 |
| Income tax | 22,000 | 42,000 | -27,000 | -13,000 |
| Net income | 329,000 | 590,000 | -395,000 | -210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,951,000 | 13,101,000 | 12,117,000 | 12,313,000 |
| Total capital | 14,176,000 | 14,319,000 | 13,620,000 | 13,348,000 |
| Risk-weighted assets | 113,249,000 | 118,405,000 | 119,273,000 | 121,091,000 |
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