Call reports 2009
MERCHANTS NATIONAL BANK OF SACRAMENTO, THE — 2009
What MERCHANTS NATIONAL BANK OF SACRAMENTO, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 136,644,000 | 145,086,000 | 155,612,000 | 163,607,000 |
| Total loans | 47,835,000 | 47,675,000 | 52,547,000 | 53,956,000 |
| Allowance for loan losses | 231,000 | 256,000 | 290,000 | 323,000 |
| Securities available for sale | 74,426,000 | 81,700,000 | 91,952,000 | 99,262,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,708,000 | 129,382,000 | 138,504,000 | 146,952,000 |
| Interest-bearing deposits | 96,435,000 | 104,249,000 | 112,892,000 | 117,381,000 |
| Noninterest-bearing deposits | 24,273,000 | 25,133,000 | 25,612,000 | 29,571,000 |
| Equity capital | 14,653,000 | 14,469,000 | 15,551,000 | 15,135,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,471,000 | 3,005,000 | 4,606,000 | 6,271,000 |
| Interest expense | 302,000 | 634,000 | 979,000 | 1,321,000 |
| Net interest income | 1,169,000 | 2,371,000 | 3,627,000 | 4,950,000 |
| Noninterest income | 37,000 | 85,000 | 122,000 | 152,000 |
| Noninterest expense | 750,000 | 1,589,000 | 2,408,000 | 3,256,000 |
| Provision for loan losses | 25,000 | 50,000 | 87,000 | 120,000 |
| Pretax income | 532,000 | 1,010,000 | 1,534,000 | 2,103,000 |
| Income tax | 158,000 | 290,000 | 434,000 | 600,000 |
| Net income | 374,000 | 720,000 | 1,100,000 | 1,503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,764,000 | 13,914,000 | 14,293,000 | 14,340,000 |
| Total capital | 14,011,000 | 14,185,000 | 14,599,000 | 14,684,000 |
| Risk-weighted assets | 54,346,000 | 56,128,000 | 61,734,000 | 63,813,000 |
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