Call reports 2004
MILLENNIAL BANK — 2004
What MILLENNIAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 65,818,000 | 65,239,000 | 62,649,000 | 63,414,000 |
| Total loans | 42,392,000 | 46,563,000 | 48,051,000 | 49,672,000 |
| Allowance for loan losses | 407,000 | 433,000 | 447,000 | 431,000 |
| Securities available for sale | 11,407,000 | 12,239,000 | 9,225,000 | 9,365,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,236,000 | 60,600,000 | 57,503,000 | 58,417,000 |
| Interest-bearing deposits | 54,415,000 | 53,295,000 | 49,547,000 | 51,578,000 |
| Noninterest-bearing deposits | 6,821,000 | 7,305,000 | 7,956,000 | 6,839,000 |
| Equity capital | 4,407,000 | 4,367,000 | 4,710,000 | 4,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 900,000 | 1,850,000 | 2,818,000 | 3,801,000 |
| Interest expense | 225,000 | 412,000 | 596,000 | 789,000 |
| Net interest income | 675,000 | 1,438,000 | 2,222,000 | 3,012,000 |
| Noninterest income | 174,000 | 372,000 | 629,000 | 823,000 |
| Noninterest expense | 637,000 | 1,256,000 | 1,913,000 | 2,526,000 |
| Provision for loan losses | 63,000 | 130,000 | 192,000 | 353,000 |
| Pretax income | 211,000 | 489,000 | 825,000 | 1,035,000 |
| Income tax | 84,000 | 195,000 | 330,000 | 497,000 |
| Net income | 127,000 | 294,000 | 495,000 | 538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,386,000 | 4,552,000 | 4,755,000 | 4,645,000 |
| Total capital | 4,793,000 | 4,985,000 | 5,202,000 | 5,076,000 |
| Risk-weighted assets | 44,622,000 | 46,874,000 | 47,047,000 | 48,501,000 |