Call reports 2008
MILLENNIUM BCPBANK, NATIONAL ASSOCIATION — 2008
What MILLENNIUM BCPBANK, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 841,322,000 | 835,561,000 | 827,550,000 | 789,267,000 |
| Total loans | 628,655,000 | 643,948,000 | 644,445,000 | 651,569,000 |
| Allowance for loan losses | 6,952,000 | 7,705,000 | 8,531,000 | 9,840,000 |
| Securities available for sale | 140,505,000 | 123,695,000 | 89,164,000 | 95,435,000 |
| Securities held to maturity | 6,154,000 | 6,010,000 | 5,927,000 | 5,843,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 714,408,000 | 710,873,000 | 710,232,000 | 667,568,000 |
| Interest-bearing deposits | 600,444,000 | 599,319,000 | 587,672,000 | 550,134,000 |
| Noninterest-bearing deposits | 113,964,000 | 111,554,000 | 122,560,000 | 117,434,000 |
| Equity capital | 84,247,000 | 82,959,000 | 79,745,000 | 76,186,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 12,208,000 | 23,420,000 | 34,638,000 | 45,400,000 |
| Interest expense | 5,728,000 | 10,126,000 | 14,234,000 | 18,289,000 |
| Net interest income | 6,480,000 | 13,294,000 | 20,404,000 | 27,111,000 |
| Noninterest income | 2,231,000 | 4,442,000 | 6,618,000 | 8,713,000 |
| Noninterest expense | 8,080,000 | 17,031,000 | 25,716,000 | 34,270,000 |
| Provision for loan losses | 681,000 | 1,331,000 | 5,525,000 | 6,617,000 |
| Pretax income | 74,000 | -502,000 | -4,095,000 | -4,939,000 |
| Income tax | 31,000 | -173,000 | -349,000 | 3,114,000 |
| Net income | 43,000 | -329,000 | -3,746,000 | -8,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,957,000 | 81,203,000 | 78,057,000 | 76,723,000 |
| Total capital | 90,961,000 | 88,546,000 | 85,408,000 | 84,068,000 |
| Risk-weighted assets | 580,482,000 | 586,992,000 | 586,846,000 | 584,701,000 |