Call reports 2012
MERCHANTS NATIONAL BANK OF SACRAMENTO, THE — 2012
What MERCHANTS NATIONAL BANK OF SACRAMENTO, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 189,419,000 | 188,072,000 | 190,845,000 | 199,219,000 |
| Total loans | 58,526,000 | 58,355,000 | 59,578,000 | 59,041,000 |
| Allowance for loan losses | 903,000 | 963,000 | 1,023,000 | 1,083,000 |
| Securities available for sale | 112,918,000 | 117,758,000 | 117,148,000 | 116,413,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,271,000 | 167,043,000 | 169,184,000 | 177,861,000 |
| Interest-bearing deposits | 135,807,000 | 133,712,000 | 131,227,000 | 139,478,000 |
| Noninterest-bearing deposits | 33,464,000 | 33,331,000 | 37,957,000 | 38,383,000 |
| Equity capital | 18,674,000 | 19,235,000 | 19,867,000 | 19,694,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,577,000 | 3,114,000 | 4,622,000 | 6,085,000 |
| Interest expense | 188,000 | 361,000 | 512,000 | 649,000 |
| Net interest income | 1,389,000 | 2,753,000 | 4,110,000 | 5,436,000 |
| Noninterest income | 24,000 | 63,000 | 89,000 | 114,000 |
| Noninterest expense | 796,000 | 1,564,000 | 2,341,000 | 3,172,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 701,000 | 1,385,000 | 2,023,000 | 2,635,000 |
| Income tax | 238,000 | 465,000 | 681,000 | 885,000 |
| Net income | 463,000 | 920,000 | 1,342,000 | 1,750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,137,000 | 17,397,000 | 17,819,000 | 17,851,000 |
| Total capital | 17,935,000 | 18,203,000 | 18,631,000 | 18,659,000 |
| Risk-weighted assets | 63,743,000 | 64,315,000 | 64,697,000 | 64,337,000 |
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