Call reports 2004
MILLENNIUM STATE BANK OF TEXAS — 2004
What MILLENNIUM STATE BANK OF TEXAS 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 | 26,914,000 | 30,829,000 | 48,011,000 | 53,626,000 |
| Total loans | 10,355,000 | 22,339,000 | 34,166,000 | 38,134,000 |
| Allowance for loan losses | 104,000 | 224,000 | 342,000 | 381,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,971,000 | 26,082,000 | 42,824,000 | 48,167,000 |
| Interest-bearing deposits | 19,896,000 | 20,871,000 | 37,982,000 | 43,648,000 |
| Noninterest-bearing deposits | 2,075,000 | 5,211,000 | 4,842,000 | 4,519,000 |
| Equity capital | 4,712,000 | 4,539,000 | 4,427,000 | 4,830,000 |
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 | 158,000 | 497,000 | 1,028,000 | 1,798,000 |
| Interest expense | 90,000 | 199,000 | 371,000 | 654,000 |
| Net interest income | 72,000 | 298,000 | 657,000 | 1,144,000 |
| Noninterest income | 130,000 | 261,000 | 427,000 | 1,001,000 |
| Noninterest expense | 373,000 | 787,000 | 1,306,000 | 1,925,000 |
| Provision for loan losses | 64,000 | 184,000 | 302,000 | 341,000 |
| Pretax income | -239,000 | -412,000 | -524,000 | -121,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -239,000 | -412,000 | -524,000 | -121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,712,000 | 4,539,000 | 4,427,000 | 4,830,000 |
| Total capital | 4,816,000 | 4,763,000 | 4,769,000 | 5,211,000 |
| Risk-weighted assets | 11,283,000 | 22,447,000 | 29,739,000 | 30,769,000 |