Call reports 2006
MILLENNIUM STATE BANK OF TEXAS — 2006
What MILLENNIUM STATE BANK OF TEXAS 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 | 73,599,000 | 81,345,000 | 95,767,000 | 102,424,000 |
| Total loans | 53,273,000 | 60,454,000 | 66,888,000 | 75,958,000 |
| Allowance for loan losses | 724,000 | 745,000 | 1,150,000 | 1,140,000 |
| Securities available for sale | 0 | 0 | 0 | 3,001,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,139,000 | 69,523,000 | 83,265,000 | 90,132,000 |
| Interest-bearing deposits | 54,379,000 | 58,264,000 | 73,200,000 | 78,680,000 |
| Noninterest-bearing deposits | 10,760,000 | 11,259,000 | 10,065,000 | 11,452,000 |
| Equity capital | 8,120,000 | 11,350,000 | 11,422,000 | 11,268,000 |
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 | 1,373,000 | 2,922,000 | 4,882,000 | 6,857,000 |
| Interest expense | 549,000 | 1,124,000 | 1,957,000 | 2,955,000 |
| Net interest income | 824,000 | 1,798,000 | 2,925,000 | 3,902,000 |
| Noninterest income | 761,000 | 1,137,000 | 1,518,000 | 1,698,000 |
| Noninterest expense | 1,121,000 | 2,225,000 | 3,485,000 | 4,862,000 |
| Provision for loan losses | 295,000 | 415,000 | 1,255,000 | 1,247,000 |
| Pretax income | 169,000 | 295,000 | -297,000 | -509,000 |
| Income tax | 61,000 | -16,000 | -114,000 | -141,000 |
| Net income | 108,000 | 256,000 | -238,000 | -423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,120,000 | 11,289,000 | 11,365,000 | 11,213,000 |
| Total capital | 8,844,000 | 12,034,000 | 12,404,000 | 12,275,000 |
| Risk-weighted assets | 59,081,000 | 66,680,000 | 83,041,000 | 84,850,000 |