Call reports 2010
MERCHANTS BANK OF CALIFORNIA, NATIONAL ASSOCIATION — 2010
What MERCHANTS BANK OF CALIFORNIA, NATIONAL ASSOCIATION reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 91,925,000 | 83,320,000 | 85,872,000 | 86,796,000 |
| Total loans | 51,456,000 | 49,714,000 | 48,160,000 | 48,071,000 |
| Allowance for loan losses | 1,667,000 | 1,648,000 | 1,826,000 | 2,093,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,000,000 | 2,000,000 | 5,000,000 | 4,999,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,160,000 | 61,542,000 | 65,958,000 | 64,312,000 |
| Interest-bearing deposits | 46,931,000 | 43,632,000 | 47,983,000 | 47,598,000 |
| Noninterest-bearing deposits | 19,229,000 | 17,910,000 | 17,976,000 | 16,714,000 |
| Equity capital | 13,261,000 | 13,384,000 | 13,282,000 | 13,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 914,000 | 1,926,000 | 2,803,000 | 3,677,000 |
| Interest expense | 165,000 | 317,000 | 456,000 | 587,000 |
| Net interest income | 749,000 | 1,609,000 | 2,347,000 | 3,090,000 |
| Noninterest income | 1,771,000 | 3,698,000 | 5,654,000 | 7,505,000 |
| Noninterest expense | 2,089,000 | 4,297,000 | 6,489,000 | 8,476,000 |
| Provision for loan losses | 200,000 | 575,000 | 1,250,000 | 1,925,000 |
| Pretax income | 231,000 | 435,000 | 262,000 | 194,000 |
| Income tax | 99,000 | 180,000 | 109,000 | 81,000 |
| Net income | 132,000 | 255,000 | 153,000 | 113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,810,000 | 12,938,000 | 12,835,000 | 12,591,000 |
| Total capital | 13,533,000 | 13,644,000 | 13,546,000 | 13,284,000 |
| Risk-weighted assets | 56,891,000 | 55,488,000 | 55,727,000 | 54,035,000 |