Call reports 2018
MERCHANTS NATIONAL BANK OF SACRAMENTO, THE — 2018
What MERCHANTS NATIONAL BANK OF SACRAMENTO, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 214,023,000 | 218,192,000 | 213,360,000 | 209,466,000 |
| Total loans | 87,280,000 | 90,292,000 | 88,259,000 | 86,875,000 |
| Allowance for loan losses | 1,251,000 | 1,266,000 | 1,281,000 | 1,286,000 |
| Securities available for sale | 116,592,000 | 114,943,000 | 111,461,000 | 109,095,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,772,000 | 197,021,000 | 192,241,000 | 187,163,000 |
| Interest-bearing deposits | 137,251,000 | 143,373,000 | 141,283,000 | 134,593,000 |
| Noninterest-bearing deposits | 47,521,000 | 53,648,000 | 50,958,000 | 52,570,000 |
| Equity capital | 19,932,000 | 19,835,000 | 19,886,000 | 20,954,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,490,000 | 3,006,000 | 4,536,000 | 6,065,000 |
| Interest expense | 161,000 | 328,000 | 493,000 | 663,000 |
| Net interest income | 1,329,000 | 2,678,000 | 4,043,000 | 5,402,000 |
| Noninterest income | 25,000 | 68,000 | 90,000 | 112,000 |
| Noninterest expense | 885,000 | 1,712,000 | 2,571,000 | 3,618,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 50,000 |
| Pretax income | 454,000 | 1,001,000 | 1,514,000 | 1,843,000 |
| Income tax | 101,000 | 236,000 | 360,000 | 461,000 |
| Net income | 353,000 | 765,000 | 1,154,000 | 1,382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,595,000 | 22,769,000 | 23,059,000 | 22,850,000 |
| Total capital | 23,833,000 | 24,025,000 | 24,304,000 | 24,116,000 |
| Risk-weighted assets | 98,893,000 | 100,406,000 | 99,449,000 | 101,163,000 |