Call reports 2004
MILLENNIUM BCPBANK, NATIONAL ASSOCIATION — 2004
What MILLENNIUM BCPBANK, NATIONAL ASSOCIATION 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 | 291,854,000 | 338,560,000 | 360,118,000 | 467,324,000 |
| Total loans | 197,934,000 | 221,663,000 | 264,848,000 | 306,492,000 |
| Allowance for loan losses | 3,270,000 | 3,365,000 | 2,590,000 | 2,422,000 |
| Securities available for sale | 5,023,000 | 13,842,000 | 6,007,000 | 40,912,000 |
| Securities held to maturity | 26,312,000 | 25,311,000 | 22,913,000 | 22,494,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 255,424,000 | 304,016,000 | 325,329,000 | 431,716,000 |
| Interest-bearing deposits | 210,256,000 | 242,323,000 | 255,577,000 | 360,875,000 |
| Noninterest-bearing deposits | 45,168,000 | 61,693,000 | 69,752,000 | 70,841,000 |
| Equity capital | 33,149,000 | 32,090,000 | 31,445,000 | 31,102,000 |
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 | 3,187,000 | 6,594,000 | 10,612,000 | 15,522,000 |
| Interest expense | 761,000 | 1,608,000 | 2,617,000 | 4,230,000 |
| Net interest income | 2,426,000 | 4,986,000 | 7,995,000 | 11,292,000 |
| Noninterest income | 864,000 | 1,934,000 | 3,109,000 | 4,159,000 |
| Noninterest expense | 4,550,000 | 9,474,000 | 14,459,000 | 19,224,000 |
| Provision for loan losses | 51,000 | 150,000 | 567,000 | 567,000 |
| Pretax income | -1,132,000 | -2,525,000 | -3,725,000 | -4,143,000 |
| Income tax | -376,000 | -863,000 | -1,283,000 | -1,429,000 |
| Net income | -756,000 | -1,662,000 | -2,442,000 | -2,714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,740,000 | 22,367,000 | 21,187,000 | 21,112,000 |
| Total capital | 26,087,000 | 24,910,000 | 23,777,000 | 23,534,000 |
| Risk-weighted assets | 186,870,000 | 202,766,000 | 232,935,000 | 287,941,000 |