Call reports 2001
MERCHANTS STATE BANK OF LEWISVILLE — 2001
What MERCHANTS STATE BANK OF LEWISVILLE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 12,121,000 | 12,003,000 | 12,621,000 | 11,972,000 |
| Total loans | 8,442,000 | 8,576,000 | 8,376,000 | 7,881,000 |
| Allowance for loan losses | 104,000 | 115,000 | 136,000 | 434,000 |
| Securities available for sale | 1,852,000 | 1,841,000 | 1,456,000 | 1,076,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,029,000 | 10,982,000 | 11,573,000 | 11,243,000 |
| Interest-bearing deposits | 10,112,000 | 10,174,000 | 10,665,000 | 10,245,000 |
| Noninterest-bearing deposits | 917,000 | 808,000 | 908,000 | 998,000 |
| Equity capital | 966,000 | 917,000 | 940,000 | 651,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 244,000 | 478,000 | 710,000 | 909,000 |
| Interest expense | 123,000 | 242,000 | 359,000 | 452,000 |
| Net interest income | 121,000 | 236,000 | 351,000 | 457,000 |
| Noninterest income | 9,000 | 19,000 | 31,000 | 41,000 |
| Noninterest expense | 87,000 | 186,000 | 277,000 | 375,000 |
| Provision for loan losses | 15,000 | 93,000 | 116,000 | 411,000 |
| Pretax income | 28,000 | -24,000 | -11,000 | -288,000 |
| Income tax | 4,000 | 0 | 1,000 | 1,000 |
| Net income | 24,000 | -24,000 | -12,000 | -289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 944,000 | 887,000 | 899,000 | 619,000 |
| Total capital | 1,048,000 | 1,002,000 | 1,013,000 | 719,000 |
| Risk-weighted assets | 8,484,000 | 8,633,000 | 9,141,000 | 7,756,000 |