Call reports 2016
MILLENNIUM BANK — 2016
What MILLENNIUM BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 141,767,000 | 155,957,000 | 159,113,000 | 163,729,000 |
| Total loans | 96,130,000 | 103,268,000 | 111,379,000 | 122,172,000 |
| Allowance for loan losses | 1,966,000 | 1,990,000 | 1,827,000 | 1,499,000 |
| Securities available for sale | 17,106,000 | 16,771,000 | 13,839,000 | 13,092,000 |
| Securities held to maturity | 2,794,000 | 2,793,000 | 2,791,000 | 2,789,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,784,000 | 139,001,000 | 141,418,000 | 145,994,000 |
| Interest-bearing deposits | 99,106,000 | 107,993,000 | 108,128,000 | 111,552,000 |
| Noninterest-bearing deposits | 25,679,000 | 31,008,000 | 33,290,000 | 34,442,000 |
| Equity capital | 16,446,000 | 16,427,000 | 17,074,000 | 17,244,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,606,000 | 3,220,000 | 5,054,000 | 6,908,000 |
| Interest expense | 153,000 | 311,000 | 479,000 | 648,000 |
| Net interest income | 1,453,000 | 2,909,000 | 4,575,000 | 6,260,000 |
| Noninterest income | 127,000 | 254,000 | 228,000 | 25,000 |
| Noninterest expense | 1,078,000 | 2,171,000 | 3,315,000 | 4,529,000 |
| Provision for loan losses | 0 | 0 | -166,000 | -498,000 |
| Pretax income | 517,000 | 1,007,000 | 1,698,000 | 2,298,000 |
| Income tax | 34,000 | 66,000 | 111,000 | 150,000 |
| Net income | 483,000 | 941,000 | 1,587,000 | 2,148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,220,000 | 16,141,000 | 16,787,000 | 17,248,000 |
| Total capital | 17,518,000 | 17,516,000 | 18,229,000 | 18,747,000 |
| Risk-weighted assets | 103,193,000 | 109,416,000 | 115,003,000 | 124,358,000 |