Call reports 2025
MILLENNIAL BANK — 2025
What MILLENNIAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 176,456,000 | 181,620,000 | 189,581,000 | 194,774,000 |
| Total loans | 130,525,000 | 138,905,000 | 143,688,000 | 153,655,000 |
| Allowance for loan losses | 1,342,000 | 1,420,000 | 1,499,000 | 1,718,000 |
| Securities available for sale | 17,953,000 | 17,283,000 | 17,700,000 | 17,719,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,794,000 | 166,797,000 | 173,770,000 | 169,941,000 |
| Interest-bearing deposits | 143,651,000 | 150,129,000 | 154,793,000 | 153,328,000 |
| Noninterest-bearing deposits | 18,143,000 | 16,668,000 | 18,977,000 | 16,613,000 |
| Equity capital | 13,628,000 | 13,678,000 | 14,562,000 | 15,197,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,697,000 | 5,626,000 | 8,612,000 | 11,812,000 |
| Interest expense | 1,047,000 | 2,063,000 | 3,096,000 | 4,190,000 |
| Net interest income | 1,650,000 | 3,563,000 | 5,516,000 | 7,622,000 |
| Noninterest income | 109,000 | 235,000 | 355,000 | 476,000 |
| Noninterest expense | 1,405,000 | 2,928,000 | 4,476,000 | 6,032,000 |
| Provision for loan losses | 35,000 | 140,000 | 220,000 | 426,000 |
| Pretax income | 319,000 | 730,000 | 1,175,000 | 1,640,000 |
| Income tax | 75,000 | 170,000 | 275,000 | 359,000 |
| Net income | 244,000 | 560,000 | 900,000 | 1,281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,481,000 | 15,836,000 | 16,217,000 | 16,390,000 |
| Total capital | 16,823,000 | 17,255,000 | 17,716,000 | 18,108,000 |
| Risk-weighted assets | 155,850,000 | 153,390,000 | 155,520,000 | 168,475,000 |