Call reports 2013
MERCHANTS NATIONAL BANK OF SACRAMENTO, THE — 2013
What MERCHANTS NATIONAL BANK OF SACRAMENTO, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 197,650,000 | 188,337,000 | 194,346,000 | 194,458,000 |
| Total loans | 60,505,000 | 59,054,000 | 58,889,000 | 57,402,000 |
| Allowance for loan losses | 1,113,000 | 1,143,000 | 1,143,000 | 1,143,000 |
| Securities available for sale | 115,644,000 | 113,964,000 | 118,677,000 | 116,376,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,747,000 | 168,811,000 | 175,066,000 | 175,544,000 |
| Interest-bearing deposits | 137,030,000 | 135,104,000 | 142,619,000 | 142,197,000 |
| Noninterest-bearing deposits | 39,717,000 | 33,707,000 | 32,447,000 | 33,347,000 |
| Equity capital | 19,694,000 | 18,460,000 | 18,376,000 | 17,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,415,000 | 2,805,000 | 4,161,000 | 5,554,000 |
| Interest expense | 112,000 | 218,000 | 316,000 | 412,000 |
| Net interest income | 1,303,000 | 2,587,000 | 3,845,000 | 5,142,000 |
| Noninterest income | 26,000 | 101,000 | 132,000 | 157,000 |
| Noninterest expense | 833,000 | 1,651,000 | 2,470,000 | 3,303,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 581,000 | 1,199,000 | 1,761,000 | 2,377,000 |
| Income tax | 184,000 | 385,000 | 565,000 | 771,000 |
| Net income | 397,000 | 814,000 | 1,196,000 | 1,606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,249,000 | 18,468,000 | 18,850,000 | 18,939,000 |
| Total capital | 19,065,000 | 19,275,000 | 19,689,000 | 19,771,000 |
| Risk-weighted assets | 64,981,000 | 64,171,000 | 66,765,000 | 66,200,000 |
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