Call reports 2011
MERCHANTS NATIONAL BANK OF SACRAMENTO, THE — 2011
What MERCHANTS NATIONAL BANK OF SACRAMENTO, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 174,067,000 | 175,837,000 | 179,788,000 | 184,935,000 |
| Total loans | 57,974,000 | 59,578,000 | 61,697,000 | 59,722,000 |
| Allowance for loan losses | 663,000 | 723,000 | 783,000 | 843,000 |
| Securities available for sale | 104,236,000 | 104,078,000 | 108,080,000 | 111,188,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,864,000 | 156,723,000 | 159,350,000 | 164,500,000 |
| Interest-bearing deposits | 128,218,000 | 128,014,000 | 129,020,000 | 130,872,000 |
| Noninterest-bearing deposits | 28,646,000 | 28,709,000 | 30,330,000 | 33,628,000 |
| Equity capital | 16,390,000 | 17,540,000 | 18,599,000 | 18,450,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,673,000 | 3,351,000 | 5,002,000 | 6,612,000 |
| Interest expense | 244,000 | 485,000 | 707,000 | 911,000 |
| Net interest income | 1,429,000 | 2,866,000 | 4,295,000 | 5,701,000 |
| Noninterest income | 29,000 | 79,000 | 109,000 | 138,000 |
| Noninterest expense | 839,000 | 1,684,000 | 2,490,000 | 3,339,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 632,000 | 1,301,000 | 1,993,000 | 2,647,000 |
| Income tax | 198,000 | 419,000 | 656,000 | 876,000 |
| Net income | 434,000 | 882,000 | 1,337,000 | 1,771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,921,000 | 16,170,000 | 16,626,000 | 16,674,000 |
| Total capital | 16,605,000 | 16,913,000 | 17,430,000 | 17,491,000 |
| Risk-weighted assets | 64,194,000 | 65,276,000 | 66,941,000 | 65,283,000 |
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