Call reports 2008
MILLENNIUM STATE BANK OF TEXAS — 2008
What MILLENNIUM STATE BANK OF TEXAS 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 | 121,096,000 | 116,964,000 | 112,295,000 | 117,971,000 |
| Total loans | 103,841,000 | 99,617,000 | 96,202,000 | 91,108,000 |
| Allowance for loan losses | 1,777,000 | 1,992,000 | 1,506,000 | 2,629,000 |
| Securities available for sale | 1,018,000 | 1,007,000 | 1,002,000 | 1,350,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,957,000 | 105,056,000 | 99,318,000 | 108,967,000 |
| Interest-bearing deposits | 99,888,000 | 95,456,000 | 90,848,000 | 100,511,000 |
| Noninterest-bearing deposits | 7,069,000 | 9,600,000 | 8,470,000 | 8,456,000 |
| Equity capital | 10,209,000 | 9,296,000 | 9,099,000 | 6,554,000 |
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 | 2,186,000 | 3,844,000 | 5,512,000 | 6,871,000 |
| Interest expense | 1,357,000 | 2,603,000 | 3,675,000 | 4,658,000 |
| Net interest income | 829,000 | 1,241,000 | 1,837,000 | 2,213,000 |
| Noninterest income | 320,000 | 479,000 | 690,000 | 751,000 |
| Noninterest expense | 1,170,000 | 2,430,000 | 3,355,000 | 4,215,000 |
| Provision for loan losses | 353,000 | 575,000 | 654,000 | 2,316,000 |
| Pretax income | -374,000 | -1,285,000 | -1,482,000 | -3,567,000 |
| Income tax | -7,000 | -7,000 | -7,000 | -4,000 |
| Net income | -367,000 | -1,278,000 | -1,475,000 | -3,563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,154,000 | 9,211,000 | 9,099,000 | 6,546,000 |
| Total capital | 11,494,000 | 10,472,000 | 10,341,000 | 7,758,000 |
| Risk-weighted assets | 106,737,000 | 100,181,000 | 99,071,000 | 95,739,000 |