Call reports 2015
MERCHANTS NATIONAL BANK OF SACRAMENTO, THE — 2015
What MERCHANTS NATIONAL BANK OF SACRAMENTO, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 203,549,000 | 202,283,000 | 199,300,000 | 198,847,000 |
| Total loans | 53,937,000 | 59,859,000 | 61,104,000 | 67,151,000 |
| Allowance for loan losses | 1,143,000 | 1,143,000 | 1,143,000 | 1,019,000 |
| Securities available for sale | 133,540,000 | 128,637,000 | 121,313,000 | 119,798,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,891,000 | 180,909,000 | 177,410,000 | 177,273,000 |
| Interest-bearing deposits | 143,066,000 | 138,158,000 | 136,631,000 | 133,581,000 |
| Noninterest-bearing deposits | 38,825,000 | 42,751,000 | 40,779,000 | 43,692,000 |
| Equity capital | 20,694,000 | 20,214,000 | 20,885,000 | 20,413,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,298,000 | 2,614,000 | 3,884,000 | 5,147,000 |
| Interest expense | 80,000 | 154,000 | 227,000 | 299,000 |
| Net interest income | 1,218,000 | 2,460,000 | 3,657,000 | 4,848,000 |
| Noninterest income | 28,000 | 68,000 | 115,000 | 144,000 |
| Noninterest expense | 810,000 | 1,625,000 | 2,414,000 | 3,339,000 |
| Provision for loan losses | 0 | 0 | 0 | -29,000 |
| Pretax income | 565,000 | 1,144,000 | 1,688,000 | 2,108,000 |
| Income tax | 185,000 | 368,000 | 549,000 | 690,000 |
| Net income | 380,000 | 776,000 | 1,139,000 | 1,418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,371,000 | 20,557,000 | 20,910,000 | 20,862,000 |
| Total capital | 21,218,000 | 21,460,000 | 21,851,000 | 21,905,000 |
| Risk-weighted assets | 67,470,000 | 71,989,000 | 75,094,000 | 83,337,000 |
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