Call reports 2016
MERCHANTS NATIONAL BANK OF SACRAMENTO, THE — 2016
What MERCHANTS NATIONAL BANK OF SACRAMENTO, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 205,592,000 | 215,180,000 | 217,071,000 | 213,922,000 |
| Total loans | 67,939,000 | 71,675,000 | 73,655,000 | 78,528,000 |
| Allowance for loan losses | 1,079,000 | 1,109,000 | 1,140,000 | 1,171,000 |
| Securities available for sale | 124,019,000 | 125,396,000 | 123,957,000 | 124,635,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,372,000 | 192,092,000 | 194,075,000 | 187,267,000 |
| Interest-bearing deposits | 138,738,000 | 151,390,000 | 149,686,000 | 145,227,000 |
| Noninterest-bearing deposits | 44,634,000 | 40,702,000 | 44,389,000 | 42,040,000 |
| Equity capital | 21,171,000 | 21,806,000 | 21,872,000 | 20,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,316,000 | 2,627,000 | 3,979,000 | 5,392,000 |
| Interest expense | 77,000 | 159,000 | 247,000 | 336,000 |
| Net interest income | 1,239,000 | 2,468,000 | 3,732,000 | 5,056,000 |
| Noninterest income | 28,000 | 70,000 | 95,000 | 120,000 |
| Noninterest expense | 868,000 | 1,717,000 | 2,577,000 | 3,368,000 |
| Provision for loan losses | 60,000 | 90,000 | 120,000 | 150,000 |
| Pretax income | 427,000 | 953,000 | 1,480,000 | 2,023,000 |
| Income tax | 125,000 | 294,000 | 476,000 | 684,000 |
| Net income | 302,000 | 659,000 | 1,004,000 | 1,339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,141,000 | 21,290,000 | 21,635,000 | 21,703,000 |
| Total capital | 22,201,000 | 22,354,000 | 22,727,000 | 22,839,000 |
| Risk-weighted assets | 84,706,000 | 84,990,000 | 87,194,000 | 90,773,000 |
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