Call reports 2005
MILLENNIUM BCPBANK, NATIONAL ASSOCIATION — 2005
What MILLENNIUM BCPBANK, NATIONAL ASSOCIATION 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 | 486,135,000 | 534,822,000 | 574,886,000 | 708,353,000 |
| Total loans | 334,964,000 | 372,450,000 | 409,019,000 | 512,208,000 |
| Allowance for loan losses | 2,431,000 | 2,443,000 | 4,585,000 | 4,770,000 |
| Securities available for sale | 49,671,000 | 57,496,000 | 62,360,000 | 117,893,000 |
| Securities held to maturity | 21,049,000 | 20,102,000 | 19,846,000 | 15,665,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 447,310,000 | 491,731,000 | 528,992,000 | 601,901,000 |
| Interest-bearing deposits | 372,407,000 | 404,826,000 | 441,709,000 | 491,327,000 |
| Noninterest-bearing deposits | 74,903,000 | 86,905,000 | 87,284,000 | 110,574,000 |
| Equity capital | 36,736,000 | 37,587,000 | 40,985,000 | 98,472,000 |
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 | 5,493,000 | 11,883,000 | 19,216,000 | 27,810,000 |
| Interest expense | 2,045,000 | 4,452,000 | 7,454,000 | 10,990,000 |
| Net interest income | 3,448,000 | 7,431,000 | 11,762,000 | 16,820,000 |
| Noninterest income | 1,204,000 | 3,081,000 | 4,765,000 | 6,552,000 |
| Noninterest expense | 4,515,000 | 9,816,000 | 15,214,000 | 20,901,000 |
| Provision for loan losses | 0 | 0 | 2,425,000 | 2,996,000 |
| Pretax income | 137,000 | 703,000 | -1,105,000 | -518,000 |
| Income tax | 50,000 | 248,000 | -369,000 | -159,000 |
| Net income | 87,000 | 455,000 | -736,000 | -359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,893,000 | 31,519,000 | 35,098,000 | 90,573,000 |
| Total capital | 33,324,000 | 33,962,000 | 39,683,000 | 95,343,000 |
| Risk-weighted assets | 306,327,000 | 335,193,000 | 369,316,000 | 434,005,000 |