Call reports 2007
MILLENNIUM BCPBANK, NATIONAL ASSOCIATION — 2007
What MILLENNIUM BCPBANK, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 851,164,000 | 844,105,000 | 820,719,000 | 878,098,000 |
| Total loans | 516,225,000 | 562,767,000 | 599,181,000 | 623,649,000 |
| Allowance for loan losses | 5,271,000 | 5,304,000 | 5,339,000 | 6,828,000 |
| Securities available for sale | 187,228,000 | 136,265,000 | 103,253,000 | 98,922,000 |
| Securities held to maturity | 11,141,000 | 9,800,000 | 9,168,000 | 8,450,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 749,869,000 | 744,584,000 | 719,148,000 | 774,667,000 |
| Interest-bearing deposits | 650,048,000 | 638,190,000 | 679,891,000 | 660,885,000 |
| Noninterest-bearing deposits | 99,821,000 | 106,394,000 | 39,257,000 | 113,782,000 |
| Equity capital | 87,136,000 | 85,531,000 | 85,880,000 | 84,697,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 12,736,000 | 26,067,000 | 39,076,000 | 52,413,000 |
| Interest expense | 6,894,000 | 14,312,000 | 20,973,000 | 27,517,000 |
| Net interest income | 5,842,000 | 11,755,000 | 18,103,000 | 24,896,000 |
| Noninterest income | 2,849,000 | 5,401,000 | 8,208,000 | 10,958,000 |
| Noninterest expense | 8,742,000 | 18,494,000 | 27,392,000 | 36,228,000 |
| Provision for loan losses | 0 | 0 | 89,000 | 1,638,000 |
| Pretax income | 31,000 | -1,256,000 | -1,088,000 | -1,930,000 |
| Income tax | 185,000 | 310,000 | 311,000 | -562,000 |
| Net income | -154,000 | -1,566,000 | -1,399,000 | -1,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,885,000 | 84,555,000 | 85,264,000 | 83,835,000 |
| Total capital | 92,156,000 | 89,859,000 | 90,650,000 | 90,663,000 |
| Risk-weighted assets | 509,384,000 | 543,101,000 | 553,204,000 | 577,377,000 |