Call reports 2008
MERCHANTS NATIONAL BANK OF SACRAMENTO, THE — 2008
What MERCHANTS NATIONAL BANK OF SACRAMENTO, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 121,287,000 | 117,181,000 | 124,997,000 | 128,802,000 |
| Total loans | 38,881,000 | 42,086,000 | 44,886,000 | 46,463,000 |
| Allowance for loan losses | 143,000 | 156,000 | 182,000 | 206,000 |
| Securities available for sale | 73,754,000 | 66,742,000 | 66,989,000 | 69,804,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,961,000 | 103,704,000 | 111,164,000 | 113,595,000 |
| Interest-bearing deposits | 85,090,000 | 78,524,000 | 83,386,000 | 88,929,000 |
| Noninterest-bearing deposits | 21,871,000 | 25,180,000 | 27,778,000 | 24,666,000 |
| Equity capital | 13,402,000 | 12,653,000 | 13,185,000 | 13,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,380,000 | 2,761,000 | 4,164,000 | 5,612,000 |
| Interest expense | 404,000 | 740,000 | 1,026,000 | 1,320,000 |
| Net interest income | 976,000 | 2,021,000 | 3,138,000 | 4,292,000 |
| Noninterest income | 35,000 | 92,000 | 134,000 | 164,000 |
| Noninterest expense | 739,000 | 1,489,000 | 2,231,000 | 3,004,000 |
| Provision for loan losses | 6,000 | 19,000 | 44,000 | 68,000 |
| Pretax income | 331,000 | 702,000 | 1,098,000 | 1,544,000 |
| Income tax | 59,000 | 141,000 | 243,000 | 385,000 |
| Net income | 272,000 | 561,000 | 855,000 | 1,159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,898,000 | 12,990,000 | 13,284,000 | 13,390,000 |
| Total capital | 13,057,000 | 13,161,000 | 13,481,000 | 13,612,000 |
| Risk-weighted assets | 48,755,000 | 49,462,000 | 51,355,000 | 50,965,000 |
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