Call reports 2006
NEW MILLENNIUM BANK — 2006
What NEW MILLENNIUM BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 129,783,000 | 141,546,000 | 140,449,000 | 146,368,000 |
| Total loans | 101,060,000 | 111,758,000 | 113,284,000 | 115,967,000 |
| Allowance for loan losses | 2,221,000 | 2,384,000 | 2,628,000 | 3,018,000 |
| Securities available for sale | 9,212,000 | 10,376,000 | 11,882,000 | 14,451,000 |
| Securities held to maturity | 5,421,000 | 5,809,000 | 6,084,000 | 5,957,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,007,000 | 119,705,000 | 117,450,000 | 122,795,000 |
| Interest-bearing deposits | 95,539,000 | 104,838,000 | 102,620,000 | 106,247,000 |
| Noninterest-bearing deposits | 14,468,000 | 14,867,000 | 14,830,000 | 16,548,000 |
| Equity capital | 16,294,000 | 17,067,000 | 17,859,000 | 18,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,918,000 | 6,134,000 | 9,622,000 | 13,169,000 |
| Interest expense | 700,000 | 1,504,000 | 2,458,000 | 3,479,000 |
| Net interest income | 2,218,000 | 4,630,000 | 7,164,000 | 9,690,000 |
| Noninterest income | 1,274,000 | 2,909,000 | 4,295,000 | 5,762,000 |
| Noninterest expense | 2,417,000 | 4,948,000 | 7,595,000 | 10,324,000 |
| Provision for loan losses | 108,000 | 241,000 | 474,000 | 918,000 |
| Pretax income | 967,000 | 2,350,000 | 3,414,000 | 4,234,000 |
| Income tax | 385,000 | 944,000 | 1,366,000 | 1,687,000 |
| Net income | 582,000 | 1,406,000 | 2,048,000 | 2,547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,395,000 | 17,254,000 | 17,919,000 | 18,444,000 |
| Total capital | 17,787,000 | 18,783,000 | 19,473,000 | 20,037,000 |
| Risk-weighted assets | 110,555,000 | 121,438,000 | 123,262,000 | 126,043,000 |