Call reports 2005
MILLENNIUM STATE BANK OF TEXAS — 2005
What MILLENNIUM STATE BANK OF TEXAS 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 | 59,114,000 | 65,296,000 | 69,394,000 | 69,821,000 |
| Total loans | 43,383,000 | 49,077,000 | 51,193,000 | 53,848,000 |
| Allowance for loan losses | 434,000 | 658,000 | 509,000 | 534,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,541,000 | 59,023,000 | 62,908,000 | 63,178,000 |
| Interest-bearing deposits | 47,029,000 | 52,703,000 | 53,652,000 | 54,367,000 |
| Noninterest-bearing deposits | 6,512,000 | 6,320,000 | 9,256,000 | 8,811,000 |
| Equity capital | 5,142,000 | 5,475,000 | 5,735,000 | 5,774,000 |
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 | 824,000 | 1,898,000 | 3,086,000 | 4,363,000 |
| Interest expense | 310,000 | 679,000 | 1,136,000 | 1,664,000 |
| Net interest income | 514,000 | 1,219,000 | 1,950,000 | 2,699,000 |
| Noninterest income | 459,000 | 1,304,000 | 1,884,000 | 2,327,000 |
| Noninterest expense | 608,000 | 1,491,000 | 2,421,000 | 3,378,000 |
| Provision for loan losses | 53,000 | 277,000 | 302,000 | 450,000 |
| Pretax income | 312,000 | 755,000 | 1,111,000 | 1,198,000 |
| Income tax | 0 | 110,000 | 206,000 | 254,000 |
| Net income | 312,000 | 645,000 | 905,000 | 944,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,142,000 | 5,475,000 | 5,735,000 | 5,774,000 |
| Total capital | 5,576,000 | 6,133,000 | 6,244,000 | 6,308,000 |
| Risk-weighted assets | 44,967,000 | 53,675,000 | 54,323,000 | 57,113,000 |