Call reports 2010
MERCHANTS NATIONAL BANK OF SACRAMENTO, THE — 2010
What MERCHANTS NATIONAL BANK OF SACRAMENTO, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 167,909,000 | 166,534,000 | 173,440,000 | 173,393,000 |
| Total loans | 53,109,000 | 54,675,000 | 56,921,000 | 56,962,000 |
| Allowance for loan losses | 383,000 | 443,000 | 543,000 | 603,000 |
| Securities available for sale | 98,746,000 | 97,146,000 | 102,804,000 | 105,237,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,680,000 | 148,241,000 | 154,336,000 | 155,993,000 |
| Interest-bearing deposits | 121,538,000 | 122,090,000 | 124,868,000 | 127,590,000 |
| Noninterest-bearing deposits | 29,142,000 | 26,151,000 | 29,468,000 | 28,403,000 |
| Equity capital | 15,827,000 | 16,511,000 | 17,264,000 | 16,141,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,663,000 | 3,312,000 | 4,972,000 | 6,608,000 |
| Interest expense | 291,000 | 552,000 | 815,000 | 1,077,000 |
| Net interest income | 1,372,000 | 2,760,000 | 4,157,000 | 5,531,000 |
| Noninterest income | 34,000 | 75,000 | 102,000 | 130,000 |
| Noninterest expense | 796,000 | 1,637,000 | 2,482,000 | 3,400,000 |
| Provision for loan losses | 60,000 | 120,000 | 220,000 | 280,000 |
| Pretax income | 614,000 | 1,251,000 | 1,848,000 | 2,413,000 |
| Income tax | 185,000 | 379,000 | 550,000 | 724,000 |
| Net income | 429,000 | 872,000 | 1,298,000 | 1,689,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,770,000 | 15,015,000 | 15,441,000 | 15,486,000 |
| Total capital | 15,174,000 | 15,479,000 | 16,005,000 | 16,109,000 |
| Risk-weighted assets | 63,007,000 | 64,139,000 | 66,250,000 | 64,291,000 |
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