Call reports 2003
MILLENNIUM BCPBANK, NATIONAL ASSOCIATION — 2003
What MILLENNIUM BCPBANK, NATIONAL ASSOCIATION 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 | 207,841,000 | 236,519,000 | 259,133,000 | 297,699,000 |
| Total loans | 144,661,000 | 147,918,000 | 156,000,000 | 180,949,000 |
| Allowance for loan losses | 2,287,000 | 2,317,000 | 3,039,000 | 3,220,000 |
| Securities available for sale | 0 | 0 | 0 | 8,084,000 |
| Securities held to maturity | 17,247,000 | 17,971,000 | 28,599,000 | 36,377,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,208,000 | 196,175,000 | 220,025,000 | 259,723,000 |
| Interest-bearing deposits | 152,640,000 | 161,620,000 | 185,487,000 | 216,638,000 |
| Noninterest-bearing deposits | 32,568,000 | 34,555,000 | 34,538,000 | 43,085,000 |
| Equity capital | 19,384,000 | 36,377,000 | 35,100,000 | 33,967,000 |
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 | 2,363,000 | 4,809,000 | 7,520,000 | 10,476,000 |
| Interest expense | 751,000 | 1,510,000 | 2,317,000 | 3,195,000 |
| Net interest income | 1,612,000 | 3,299,000 | 5,203,000 | 7,281,000 |
| Noninterest income | 493,000 | 1,133,000 | 1,739,000 | 2,418,000 |
| Noninterest expense | 3,429,000 | 7,268,000 | 11,010,000 | 15,448,000 |
| Provision for loan losses | -32,000 | 4,000 | 737,000 | 927,000 |
| Pretax income | -1,292,000 | -2,840,000 | -4,805,000 | -6,676,000 |
| Income tax | -435,000 | -977,000 | -1,665,000 | -2,317,000 |
| Net income | -857,000 | -1,863,000 | -3,140,000 | -4,359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,864,000 | 29,192,000 | 27,231,000 | 25,372,000 |
| Total capital | 14,640,000 | 31,111,000 | 29,218,000 | 27,540,000 |
| Risk-weighted assets | 141,605,000 | 153,147,000 | 157,920,000 | 172,376,000 |