Call reports 2007
MILLENNIUM STATE BANK OF TEXAS — 2007
What MILLENNIUM STATE BANK OF TEXAS 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 | 112,538,000 | 122,020,000 | 131,678,000 | 127,509,000 |
| Total loans | 90,824,000 | 101,181,000 | 110,223,000 | 108,764,000 |
| Allowance for loan losses | 1,283,000 | 1,921,000 | 1,065,000 | 1,424,000 |
| Securities available for sale | 3,002,000 | 2,989,000 | 3,010,000 | 1,012,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,366,000 | 110,905,000 | 118,032,000 | 112,033,000 |
| Interest-bearing deposits | 91,587,000 | 100,381,000 | 109,423,000 | 104,361,000 |
| Noninterest-bearing deposits | 8,779,000 | 10,524,000 | 8,609,000 | 7,672,000 |
| Equity capital | 11,045,000 | 10,364,000 | 10,584,000 | 10,460,000 |
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 | 2,160,000 | 4,573,000 | 7,144,000 | 9,642,000 |
| Interest expense | 1,111,000 | 2,423,000 | 3,834,000 | 5,246,000 |
| Net interest income | 1,049,000 | 2,150,000 | 3,310,000 | 4,396,000 |
| Noninterest income | 103,000 | 425,000 | 782,000 | 1,098,000 |
| Noninterest expense | 1,268,000 | 2,509,000 | 3,839,000 | 5,026,000 |
| Provision for loan losses | 119,000 | 979,000 | 979,000 | 1,329,000 |
| Pretax income | -235,000 | -913,000 | -726,000 | -861,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -235,000 | -913,000 | -726,000 | -861,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,996,000 | 10,330,000 | 10,530,000 | 10,406,000 |
| Total capital | 12,183,000 | 11,656,000 | 11,596,000 | 11,830,000 |
| Risk-weighted assets | 94,869,000 | 106,532,000 | 114,793,000 | 116,391,000 |