Call reports 2005
MERCHANTS BANK OF CALIFORNIA, NATIONAL ASSOCIATION — 2005
What MERCHANTS BANK OF CALIFORNIA, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 73,116,000 | 76,379,000 | 87,570,000 | 105,569,000 |
| Total loans | 42,491,000 | 45,500,000 | 49,295,000 | 48,458,000 |
| Allowance for loan losses | 604,000 | 652,000 | 782,000 | 902,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 14,854,000 | 14,798,000 | 14,743,000 | 16,122,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,127,000 | 56,541,000 | 57,880,000 | 59,612,000 |
| Interest-bearing deposits | 38,676,000 | 40,572,000 | 41,440,000 | 40,613,000 |
| Noninterest-bearing deposits | 16,451,000 | 15,969,000 | 16,440,000 | 18,999,000 |
| Equity capital | 10,115,000 | 10,428,000 | 10,792,000 | 11,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,147,000 | 2,391,000 | 3,683,000 | 5,075,000 |
| Interest expense | 243,000 | 534,000 | 923,000 | 1,404,000 |
| Net interest income | 904,000 | 1,857,000 | 2,760,000 | 3,671,000 |
| Noninterest income | 2,300,000 | 5,097,000 | 8,036,000 | 11,156,000 |
| Noninterest expense | 2,691,000 | 5,851,000 | 8,973,000 | 12,330,000 |
| Provision for loan losses | 52,000 | 100,000 | 230,000 | 350,000 |
| Pretax income | 461,000 | 1,003,000 | 1,593,000 | 2,147,000 |
| Income tax | 192,000 | 420,000 | 646,000 | 900,000 |
| Net income | 269,000 | 583,000 | 947,000 | 1,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,115,000 | 10,428,000 | 10,792,000 | 11,092,000 |
| Total capital | 10,755,000 | 11,100,000 | 11,549,000 | 11,850,000 |
| Risk-weighted assets | 51,148,000 | 53,778,000 | 60,498,000 | 60,457,000 |