Home > Merchants State Bank of Lewisville > Income and Expense

Merchants State Bank of Lewisville, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$909,000	9,208
Total interest expense	$452,000	9,096
Net interest income	$457,000	9,248
Provision for loan and lease losses	$411,000	2,567
Total noninterest income	$41,000	9,261
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$26,000	8,045
Trading account gains and fees	$0	177
Additional Noninterest Income	$15,000	8,930
Total noninterest expense	$375,000	9,398
Salaries and employee benefits	$216,000	9,359
Premises and equipment expense	$50,000	9,122
Additional noninterest expense	$109,000	9,323
Pre-tax net operating income	$-288,000	9,016
Securities gains (losses)	$0	4,612
Applicable income taxes	$1,000	7,858
Income before extraordinary items	$-289,000	9,109
Extraordinary gains, net	$0	105
Net income	$-289,000	9,110
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$84,000	4,343
Cash dividends	$46,000	6,217
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$-289,000	9,057
2000-12-31 (YTD Data)		Rank
Total interest income	$955,000	9,430
Total interest expense	$469,000	9,306
Net interest income	$486,000	9,479
Provision for loan and lease losses	$101,000	5,260
Total noninterest income	$43,000	9,418
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$24,000	8,200
Trading account gains and fees	NA	NA
Additional Noninterest Income	$19,000	8,999
Total noninterest expense	$348,000	9,689
Salaries and employee benefits	$217,000	9,581
Premises and equipment expense	$48,000	9,403
Additional noninterest expense	$83,000	9,728
Pre-tax net operating income	$80,000	8,870
Securities gains (losses)	$0	1,956
Applicable income taxes	$8,000	8,119
Income before extraordinary items	$72,000	8,873
Extraordinary gains, net	$0	38
Net income	$72,000	8,873
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$102,000	3,541
Cash dividends	$179,000	5,296
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$72,000	8,856
1999-12-31 (YTD Data)		Rank
Total interest income	$928,000	9,676
Total interest expense	$442,000	9,563
Net interest income	$486,000	9,707
Provision for loan and lease losses	$13,000	7,957
Total noninterest income	$59,000	9,459
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$29,000	8,320
Trading account gains and fees	NA	NA
Additional Noninterest Income	$30,000	8,834
Total noninterest expense	$370,000	9,947
Salaries and employee benefits	$229,000	9,799
Premises and equipment expense	$48,000	9,675
Additional noninterest expense	$93,000	9,965
Pre-tax net operating income	$162,000	8,748
Securities gains (losses)	$0	3,155
Applicable income taxes	$16,000	8,309
Income before extraordinary items	$146,000	8,665
Extraordinary gains, net	$0	35
Net income	$146,000	8,664
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	6,892
Cash dividends	$118,000	5,928
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$146,000	8,622
1998-12-31 (YTD Data)		Rank
Total interest income	$918,000	9,925
Total interest expense	$428,000	9,848
Net interest income	$490,000	9,943
Provision for loan and lease losses	$4,000	8,522
Total noninterest income	$44,000	9,925
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$35,000	8,408
Trading account gains and fees	NA	NA
Additional Noninterest Income	$9,000	10,010
Total noninterest expense	$356,000	10,152
Salaries and employee benefits	$207,000	10,077
Premises and equipment expense	$50,000	9,822
Additional noninterest expense	$99,000	10,132
Pre-tax net operating income	$174,000	9,043
Securities gains (losses)	$0	4,449
Applicable income taxes	$17,000	8,941
Income before extraordinary items	$157,000	8,929
Extraordinary gains, net	$0	32
Net income	$157,000	8,927
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,100
Cash dividends	$262,000	4,873
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$157,000	8,860
1997-12-31 (YTD Data)		Rank
Total interest income	$955,000	10,345
Total interest expense	$426,000	10,274
Net interest income	$529,000	10,322
Provision for loan and lease losses	$79,000	5,693
Total noninterest income	$151,000	8,555
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$36,000	8,783
Trading account gains and fees	NA	NA
Additional Noninterest Income	$115,000	6,392
Total noninterest expense	$366,000	10,561
Salaries and employee benefits	$221,000	10,433
Premises and equipment expense	$53,000	10,130
Additional noninterest expense	$92,000	10,597
Pre-tax net operating income	$235,000	9,383
Securities gains (losses)	$0	3,944
Applicable income taxes	$19,000	9,739
Income before extraordinary items	$216,000	9,015
Extraordinary gains, net	$0	44
Net income	$216,000	9,019
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$95,000	3,930
Cash dividends	$101,000	6,441
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$216,000	8,979
1996-12-31 (YTD Data)		Rank
Total interest income	$1,014,000	10,794
Total interest expense	$468,000	10,693
Net interest income	$546,000	10,782
Provision for loan and lease losses	$7,000	8,718
Total noninterest income	$44,000	10,954
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$33,000	9,306
Trading account gains and fees	NA	NA
Additional Noninterest Income	$11,000	10,919
Total noninterest expense	$416,000	10,920
Salaries and employee benefits	$257,000	10,674
Premises and equipment expense	$47,000	10,725
Additional noninterest expense	$112,000	10,975
Pre-tax net operating income	$167,000	9,982
Securities gains (losses)	$0	4,148
Applicable income taxes	$55,000	9,603
Income before extraordinary items	$112,000	10,114
Extraordinary gains, net	$0	53
Net income	$112,000	10,113
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-33,000	10,875
Cash dividends	$124,000	6,359
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$112,000	10,057
1995-12-31 (YTD Data)		Rank
Total interest income	$931,000	11,390
Total interest expense	$422,000	11,264
Net interest income	$509,000	11,381
Provision for loan and lease losses	$11,000	8,279
Total noninterest income	$58,000	11,205
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$37,000	9,619
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	10,833
Total noninterest expense	$340,000	11,617
Salaries and employee benefits	$205,000	11,476
Premises and equipment expense	$40,000	11,383
Additional noninterest expense	$95,000	11,656
Pre-tax net operating income	$216,000	10,359
Securities gains (losses)	$0	3,831
Applicable income taxes	$78,000	9,622
Income before extraordinary items	$138,000	10,577
Extraordinary gains, net	$0	65
Net income	$138,000	10,580
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	6,236
Cash dividends	$106,000	6,668
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$138,000	10,542
1994-12-31 (YTD Data)		Rank
Total interest income	$833,000	12,019
Total interest expense	$332,000	11,893
Net interest income	$501,000	12,007
Provision for loan and lease losses	$50,000	6,087
Total noninterest income	$92,000	10,935
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$34,000	10,221
Trading account gains and fees	NA	NA
Additional Noninterest Income	$58,000	9,194
Total noninterest expense	$338,000	12,244
Salaries and employee benefits	$200,000	12,070
Premises and equipment expense	$45,000	11,810
Additional noninterest expense	$93,000	12,350
Pre-tax net operating income	$205,000	10,854
Securities gains (losses)	$-9,000	9,765
Applicable income taxes	$78,000	9,862
Income before extraordinary items	$118,000	11,187
Extraordinary gains, net	$0	249
Net income	$118,000	11,194
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$60,000	4,750
Cash dividends	$120,000	6,524
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$123,760	11,172
1993-12-31 (YTD Data)		Rank
Total interest income	$903,000	12,500
Total interest expense	$369,000	12,363
Net interest income	$534,000	12,456
Provision for loan and lease losses	$27,000	8,602
Total noninterest income	$45,000	12,670
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$34,000	10,611
Trading account gains and fees	NA	NA
Additional Noninterest Income	$11,000	12,687
Total noninterest expense	$342,000	12,854
Salaries and employee benefits	$193,000	12,699
Premises and equipment expense	$45,000	12,369
Additional noninterest expense	$104,000	12,893
Pre-tax net operating income	$210,000	10,953
Securities gains (losses)	$0	7,477
Applicable income taxes	$76,000	10,314
Income before extraordinary items	$134,000	11,403
Extraordinary gains, net	$0	3,149
Net income	$134,000	11,473
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	7,896
Cash dividends	$103,000	6,810
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$134,000	11,193
1992-12-31 (YTD Data)		Rank
Total interest income	$999,000	13,027
Total interest expense	$470,000	12,880
Net interest income	$529,000	12,972
Provision for loan and lease losses	$37,000	9,631
Total noninterest income	$49,000	13,130
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$35,000	10,873
Trading account gains and fees	NA	NA
Additional Noninterest Income	$14,000	13,064
Total noninterest expense	$371,000	13,309
Salaries and employee benefits	$196,000	13,200
Premises and equipment expense	$48,000	12,755
Additional noninterest expense	$127,000	13,245
Pre-tax net operating income	$170,000	11,337
Securities gains (losses)	$4,000	7,235
Applicable income taxes	$60,000	10,985
Income before extraordinary items	$114,000	11,747
Extraordinary gains, net	$0	1,422
Net income	$114,000	11,821
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	8,614
Cash dividends	$93,000	6,787
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$111,360	11,479

* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.