Call reports 2005
NEW MILLENNIUM BANK — 2005
What NEW MILLENNIUM 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 | 114,537,000 | 120,281,000 | 121,737,000 | 122,589,000 |
| Total loans | 91,433,000 | 92,188,000 | 95,905,000 | 99,107,000 |
| Allowance for loan losses | 1,799,000 | 1,879,000 | 1,965,000 | 2,065,000 |
| Securities available for sale | 5,783,000 | 5,124,000 | 7,024,000 | 8,391,000 |
| Securities held to maturity | 3,749,000 | 3,407,000 | 3,970,000 | 5,644,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,767,000 | 102,418,000 | 103,450,000 | 103,553,000 |
| Interest-bearing deposits | 83,612,000 | 86,784,000 | 89,366,000 | 88,119,000 |
| Noninterest-bearing deposits | 14,155,000 | 15,634,000 | 14,084,000 | 15,434,000 |
| Equity capital | 13,637,000 | 14,336,000 | 15,094,000 | 15,754,000 |
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 | 2,304,000 | 4,909,000 | 7,693,000 | 10,566,000 |
| Interest expense | 424,000 | 932,000 | 1,531,000 | 2,146,000 |
| Net interest income | 1,880,000 | 3,977,000 | 6,162,000 | 8,420,000 |
| Noninterest income | 1,257,000 | 2,609,000 | 4,028,000 | 5,263,000 |
| Noninterest expense | 2,251,000 | 4,434,000 | 6,666,000 | 8,881,000 |
| Provision for loan losses | 104,000 | 207,000 | 310,000 | 414,000 |
| Pretax income | 782,000 | 1,945,000 | 3,214,000 | 4,388,000 |
| Income tax | 312,000 | 775,000 | 1,280,000 | 1,758,000 |
| Net income | 470,000 | 1,170,000 | 1,934,000 | 2,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,657,000 | 14,354,000 | 15,134,000 | 15,813,000 |
| Total capital | 14,891,000 | 15,610,000 | 16,424,000 | 17,127,000 |
| Risk-weighted assets | 98,121,000 | 99,847,000 | 102,497,000 | 104,584,000 |