Call reports 2003
NEW MILLENNIUM BANK — 2003
What NEW MILLENNIUM BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 83,124,000 | 87,847,000 | 88,154,000 | 89,800,000 |
| Total loans | 60,505,000 | 64,648,000 | 62,914,000 | 69,730,000 |
| Allowance for loan losses | 1,643,000 | 1,773,000 | 1,834,000 | 1,557,000 |
| Securities available for sale | 4,724,000 | 4,200,000 | 5,724,000 | 6,481,000 |
| Securities held to maturity | 3,553,000 | 3,055,000 | 3,497,000 | 4,116,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,671,000 | 75,293,000 | 74,005,000 | 75,685,000 |
| Interest-bearing deposits | 60,724,000 | 64,714,000 | 61,367,000 | 62,369,000 |
| Noninterest-bearing deposits | 10,947,000 | 10,579,000 | 12,638,000 | 13,316,000 |
| Equity capital | 9,689,000 | 10,875,000 | 11,260,000 | 11,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,572,000 | 3,185,000 | 4,865,000 | 6,593,000 |
| Interest expense | 335,000 | 676,000 | 971,000 | 1,255,000 |
| Net interest income | 1,237,000 | 2,509,000 | 3,894,000 | 5,338,000 |
| Noninterest income | 1,255,000 | 2,426,000 | 3,658,000 | 4,861,000 |
| Noninterest expense | 1,895,000 | 3,794,000 | 5,736,000 | 7,709,000 |
| Provision for loan losses | 135,000 | 270,000 | 375,000 | 480,000 |
| Pretax income | 462,000 | 871,000 | 1,441,000 | 2,010,000 |
| Income tax | 146,000 | 288,000 | 465,000 | 779,000 |
| Net income | 316,000 | 583,000 | 976,000 | 1,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,638,000 | 10,866,000 | 11,259,000 | 11,517,000 |
| Total capital | 10,489,000 | 11,777,000 | 12,143,000 | 12,435,000 |
| Risk-weighted assets | 67,276,000 | 72,021,000 | 69,783,000 | 72,805,000 |