Call reports 2006
MILLENNIUM BCPBANK, NATIONAL ASSOCIATION — 2006
What MILLENNIUM BCPBANK, NATIONAL ASSOCIATION 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 | 755,239,000 | 785,798,000 | 781,421,000 | 824,813,000 |
| Total loans | 539,317,000 | 551,999,000 | 549,115,000 | 522,350,000 |
| Allowance for loan losses | 4,959,000 | 5,069,000 | 5,104,000 | 5,186,000 |
| Securities available for sale | 108,730,000 | 125,752,000 | 128,736,000 | 155,146,000 |
| Securities held to maturity | 14,826,000 | 12,838,000 | 12,106,000 | 11,459,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 648,933,000 | 678,157,000 | 674,867,000 | 720,266,000 |
| Interest-bearing deposits | 547,167,000 | 572,518,000 | 566,447,000 | 613,512,000 |
| Noninterest-bearing deposits | 101,766,000 | 105,639,000 | 108,420,000 | 106,755,000 |
| Equity capital | 98,582,000 | 97,778,000 | 96,536,000 | 87,317,000 |
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 | 10,055,000 | 21,290,000 | 33,296,000 | 45,616,000 |
| Interest expense | 4,284,000 | 9,543,000 | 15,252,000 | 21,598,000 |
| Net interest income | 5,771,000 | 11,747,000 | 18,044,000 | 24,018,000 |
| Noninterest income | 2,166,000 | 4,627,000 | 6,425,000 | 10,675,000 |
| Noninterest expense | 7,362,000 | 15,378,000 | 25,198,000 | 38,521,000 |
| Provision for loan losses | 187,000 | 323,000 | 377,000 | 452,000 |
| Pretax income | 447,000 | 732,000 | -1,047,000 | -4,221,000 |
| Income tax | 156,000 | 256,000 | 508,000 | 154,000 |
| Net income | 291,000 | 476,000 | -1,555,000 | -4,375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,567,000 | 92,302,000 | 89,176,000 | 86,782,000 |
| Total capital | 96,526,000 | 97,371,000 | 94,280,000 | 91,968,000 |
| Risk-weighted assets | 470,463,000 | 494,452,000 | 489,201,000 | 499,144,000 |