Call reports 2007
MERCHANTS NATIONAL BANK OF SACRAMENTO, THE — 2007
What MERCHANTS NATIONAL BANK OF SACRAMENTO, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 121,681,000 | 119,932,000 | 120,191,000 | 123,414,000 |
| Total loans | 31,994,000 | 37,637,000 | 33,762,000 | 36,535,000 |
| Allowance for loan losses | 127,000 | 135,000 | 138,000 | 137,000 |
| Securities available for sale | 76,798,000 | 74,508,000 | 76,800,000 | 77,965,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,688,000 | 103,059,000 | 107,479,000 | 107,659,000 |
| Interest-bearing deposits | 86,367,000 | 80,469,000 | 81,267,000 | 82,791,000 |
| Noninterest-bearing deposits | 22,321,000 | 22,590,000 | 26,212,000 | 24,868,000 |
| Equity capital | 12,389,000 | 11,283,000 | 12,069,000 | 12,510,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,320,000 | 2,676,000 | 4,032,000 | 5,396,000 |
| Interest expense | 497,000 | 979,000 | 1,429,000 | 1,856,000 |
| Net interest income | 823,000 | 1,697,000 | 2,603,000 | 3,540,000 |
| Noninterest income | 29,000 | 70,000 | 103,000 | 144,000 |
| Noninterest expense | 664,000 | 1,350,000 | 2,051,000 | 2,807,000 |
| Provision for loan losses | 7,000 | 15,000 | 18,000 | 18,000 |
| Pretax income | 181,000 | 402,000 | 637,000 | 859,000 |
| Income tax | -7,000 | -12,000 | 3,000 | 31,000 |
| Net income | 188,000 | 414,000 | 634,000 | 828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,155,000 | 12,409,000 | 12,630,000 | 12,627,000 |
| Total capital | 13,298,000 | 12,560,000 | 12,783,000 | 12,780,000 |
| Risk-weighted assets | 45,016,000 | 49,350,000 | 46,474,000 | 46,837,000 |
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