Call reports 2002
MILLENNIUM BCPBANK, NATIONAL ASSOCIATION — 2002
What MILLENNIUM BCPBANK, NATIONAL ASSOCIATION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 165,124,000 | 192,226,000 | 200,571,000 | 208,006,000 |
| Total loans | 100,808,000 | 120,572,000 | 131,160,000 | 141,700,000 |
| Allowance for loan losses | 558,000 | 657,000 | 1,597,000 | 2,329,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 501,000 | 2,501,000 | 2,998,000 | 3,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,285,000 | 168,053,000 | 175,555,000 | 183,725,000 |
| Interest-bearing deposits | 117,916,000 | 141,596,000 | 146,059,000 | 152,684,000 |
| Noninterest-bearing deposits | 22,369,000 | 26,457,000 | 29,496,000 | 31,041,000 |
| Equity capital | 23,978,000 | 22,371,000 | 21,537,000 | 20,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,752,000 | 3,825,000 | 6,119,000 | 8,536,000 |
| Interest expense | 851,000 | 1,690,000 | 2,602,000 | 3,460,000 |
| Net interest income | 901,000 | 2,135,000 | 3,517,000 | 5,076,000 |
| Noninterest income | 338,000 | 740,000 | 1,205,000 | 1,636,000 |
| Noninterest expense | 2,442,000 | 6,096,000 | 8,621,000 | 11,853,000 |
| Provision for loan losses | 179,000 | 288,000 | 1,238,000 | 1,985,000 |
| Pretax income | -1,382,000 | -3,509,000 | -5,137,000 | -7,126,000 |
| Income tax | -483,000 | -1,004,000 | -1,797,000 | -2,489,000 |
| Net income | -899,000 | -2,505,000 | -3,340,000 | -4,637,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,117,000 | 17,990,000 | 16,362,000 | 14,369,000 |
| Total capital | 20,675,000 | 18,647,000 | 18,020,000 | 16,116,000 |
| Risk-weighted assets | 105,573,000 | 122,951,000 | 136,371,000 | 139,210,000 |