Call reports 2014
MERCHANTS NATIONAL BANK OF SACRAMENTO, THE — 2014
What MERCHANTS NATIONAL BANK OF SACRAMENTO, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 190,480,000 | 201,282,000 | 222,281,000 | 220,675,000 |
| Total loans | 57,525,000 | 57,335,000 | 57,857,000 | 55,212,000 |
| Allowance for loan losses | 1,143,000 | 1,143,000 | 1,143,000 | 1,143,000 |
| Securities available for sale | 119,772,000 | 118,777,000 | 124,199,000 | 136,125,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,836,000 | 180,762,000 | 201,775,000 | 199,721,000 |
| Interest-bearing deposits | 138,398,000 | 147,284,000 | 159,645,000 | 156,440,000 |
| Noninterest-bearing deposits | 32,438,000 | 33,478,000 | 42,130,000 | 43,281,000 |
| Equity capital | 18,714,000 | 19,420,000 | 19,550,000 | 19,927,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,362,000 | 2,705,000 | 4,046,000 | 5,387,000 |
| Interest expense | 91,000 | 178,000 | 268,000 | 355,000 |
| Net interest income | 1,271,000 | 2,527,000 | 3,778,000 | 5,032,000 |
| Noninterest income | 45,000 | 81,000 | 109,000 | 134,000 |
| Noninterest expense | 828,000 | 1,666,000 | 2,486,000 | 3,318,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 612,000 | 1,192,000 | 1,784,000 | 2,357,000 |
| Income tax | 200,000 | 395,000 | 596,000 | 783,000 |
| Net income | 412,000 | 797,000 | 1,188,000 | 1,574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,351,000 | 19,528,000 | 19,920,000 | 19,990,000 |
| Total capital | 20,189,000 | 20,368,000 | 20,773,000 | 20,851,000 |
| Risk-weighted assets | 66,691,000 | 66,865,000 | 67,921,000 | 68,555,000 |
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