Call reports 2004
NEW MILLENNIUM BANK — 2004
What NEW MILLENNIUM 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 | 90,809,000 | 98,638,000 | 98,258,000 | 101,564,000 |
| Total loans | 72,841,000 | 75,762,000 | 79,291,000 | 87,187,000 |
| Allowance for loan losses | 1,595,000 | 1,619,000 | 1,661,000 | 1,694,000 |
| Securities available for sale | 4,280,000 | 5,871,000 | 5,111,000 | 4,054,000 |
| Securities held to maturity | 3,749,000 | 4,260,000 | 5,121,000 | 3,735,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,924,000 | 83,529,000 | 82,474,000 | 85,558,000 |
| Interest-bearing deposits | 61,352,000 | 68,950,000 | 70,126,000 | 72,914,000 |
| Noninterest-bearing deposits | 14,572,000 | 14,579,000 | 12,348,000 | 12,644,000 |
| Equity capital | 11,972,000 | 12,401,000 | 12,831,000 | 13,179,000 |
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 | 1,784,000 | 3,788,000 | 5,869,000 | 8,069,000 |
| Interest expense | 266,000 | 558,000 | 864,000 | 1,208,000 |
| Net interest income | 1,518,000 | 3,230,000 | 5,005,000 | 6,861,000 |
| Noninterest income | 1,222,000 | 2,467,000 | 3,651,000 | 4,855,000 |
| Noninterest expense | 2,014,000 | 4,084,000 | 6,298,000 | 8,670,000 |
| Provision for loan losses | 63,000 | 126,000 | 199,000 | 317,000 |
| Pretax income | 663,000 | 1,487,000 | 2,159,000 | 2,755,000 |
| Income tax | 265,000 | 594,000 | 864,000 | 1,080,000 |
| Net income | 398,000 | 893,000 | 1,295,000 | 1,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,915,000 | 12,405,000 | 12,807,000 | 13,187,000 |
| Total capital | 12,864,000 | 13,429,000 | 13,874,000 | 14,347,000 |
| Risk-weighted assets | 75,254,000 | 81,535,000 | 84,048,000 | 92,232,000 |