Call reports 2005
MILLENNIAL BANK — 2005
What MILLENNIAL 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 | 67,771,000 | 70,875,000 | 73,057,000 | 73,276,000 |
| Total loans | 52,913,000 | 55,291,000 | 56,203,000 | 58,529,000 |
| Allowance for loan losses | 452,000 | 470,000 | 510,000 | 523,000 |
| Securities available for sale | 10,208,000 | 10,113,000 | 9,813,000 | 9,601,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,516,000 | 62,842,000 | 65,666,000 | 64,779,000 |
| Interest-bearing deposits | 52,260,000 | 52,085,000 | 54,649,000 | 55,845,000 |
| Noninterest-bearing deposits | 9,256,000 | 10,757,000 | 11,017,000 | 8,934,000 |
| Equity capital | 4,610,000 | 4,803,000 | 5,084,000 | 5,074,000 |
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 | 1,012,000 | 2,155,000 | 3,311,000 | 4,540,000 |
| Interest expense | 207,000 | 460,000 | 751,000 | 1,088,000 |
| Net interest income | 805,000 | 1,695,000 | 2,560,000 | 3,452,000 |
| Noninterest income | 186,000 | 398,000 | 598,000 | 841,000 |
| Noninterest expense | 581,000 | 1,170,000 | 1,760,000 | 2,353,000 |
| Provision for loan losses | 43,000 | 290,000 | 312,000 | 404,000 |
| Pretax income | 367,000 | 633,000 | 1,086,000 | 1,536,000 |
| Income tax | 24,000 | 41,000 | 70,000 | 69,000 |
| Net income | 343,000 | 592,000 | 1,016,000 | 1,467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,888,000 | 4,877,000 | 5,299,000 | 5,351,000 |
| Total capital | 5,340,000 | 5,347,000 | 5,809,000 | 5,874,000 |
| Risk-weighted assets | 50,701,000 | 52,985,000 | 54,026,000 | 56,425,000 |