Call reports 2005
MERCHANTS NATIONAL BANK OF SACRAMENTO, THE — 2005
What MERCHANTS NATIONAL BANK OF SACRAMENTO, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 124,547,000 | 122,953,000 | 123,252,000 | 120,089,000 |
| Total loans | 27,803,000 | 27,256,000 | 28,702,000 | 30,152,000 |
| Allowance for loan losses | 131,000 | 131,000 | 114,000 | 115,000 |
| Securities available for sale | 91,215,000 | 91,409,000 | 86,402,000 | 82,433,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,186,000 | 107,348,000 | 110,584,000 | 105,033,000 |
| Interest-bearing deposits | 90,811,000 | 87,103,000 | 88,391,000 | 83,832,000 |
| Noninterest-bearing deposits | 20,375,000 | 20,245,000 | 22,193,000 | 21,201,000 |
| Equity capital | 11,327,000 | 11,911,000 | 11,941,000 | 11,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,197,000 | 2,429,000 | 3,654,000 | 4,891,000 |
| Interest expense | 177,000 | 395,000 | 645,000 | 922,000 |
| Net interest income | 1,020,000 | 2,034,000 | 3,009,000 | 3,969,000 |
| Noninterest income | 18,000 | 43,000 | 61,000 | 70,000 |
| Noninterest expense | 648,000 | 1,304,000 | 1,947,000 | 2,634,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 430,000 | 853,000 | 1,219,000 | 1,501,000 |
| Income tax | 93,000 | 178,000 | 243,000 | 298,000 |
| Net income | 337,000 | 675,000 | 976,000 | 1,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,215,000 | 12,355,000 | 12,656,000 | 12,473,000 |
| Total capital | 12,346,000 | 12,486,000 | 12,787,000 | 12,604,000 |
| Risk-weighted assets | 41,627,000 | 40,978,000 | 42,477,000 | 44,147,000 |
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