Call reports 2002
MERCHANTS STATE BANK OF LEWISVILLE — 2002
What MERCHANTS STATE BANK OF LEWISVILLE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 |
|---|---|---|
| Total assets | 11,230,000 | 10,564,000 |
| Total loans | 6,708,000 | 5,927,000 |
| Allowance for loan losses | 419,000 | 80,000 |
| Securities available for sale | 974,000 | 754,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 10,509,000 | 9,963,000 |
| Interest-bearing deposits | 9,465,000 | 9,011,000 |
| Noninterest-bearing deposits | 1,044,000 | 952,000 |
| Equity capital | 640,000 | 528,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 |
|---|---|---|
| Interest income | 170,000 | 320,000 |
| Interest expense | 72,000 | 138,000 |
| Net interest income | 98,000 | 182,000 |
| Noninterest income | 7,000 | 27,000 |
| Noninterest expense | 95,000 | 203,000 |
| Provision for loan losses | 0 | 124,000 |
| Pretax income | 10,000 | -118,000 |
| Income tax | 0 | 0 |
| Net income | 10,000 | -118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 |
|---|---|---|
| Tier 1 capital | 626,000 | 498,000 |
| Total capital | 714,000 | 578,000 |
| Risk-weighted assets | 6,778,000 | 6,871,000 |