Call reports 2015
MERCHANTS BANK OF CALIFORNIA, NATIONAL ASSOCIATION — 2015
What MERCHANTS BANK OF CALIFORNIA, NATIONAL ASSOCIATION 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 | 82,267,000 | 76,922,000 | 75,935,000 | 70,409,000 |
| Total loans | 21,696,000 | 20,918,000 | 16,689,000 | 15,938,000 |
| Allowance for loan losses | 1,335,000 | 1,395,000 | 1,186,000 | 1,277,000 |
| Securities available for sale | 5,020,000 | 9,004,000 | 8,097,000 | 5,464,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 64,000 | 66,000 | 63,000 | 81,000 |
| Total deposits | 54,609,000 | 49,322,000 | 48,566,000 | 46,509,000 |
| Interest-bearing deposits | 23,058,000 | 21,077,000 | 20,858,000 | 19,273,000 |
| Noninterest-bearing deposits | 31,551,000 | 28,245,000 | 27,708,000 | 27,235,000 |
| Equity capital | 20,191,000 | 20,239,000 | 20,125,000 | 19,723,000 |
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 | 474,000 | 929,000 | 1,323,000 | 1,662,000 |
| Interest expense | 22,000 | 45,000 | 70,000 | 95,000 |
| Net interest income | 452,000 | 884,000 | 1,253,000 | 1,567,000 |
| Noninterest income | 2,212,000 | 4,493,000 | 6,368,000 | 8,276,000 |
| Noninterest expense | 2,457,000 | 4,901,000 | 7,497,000 | 10,597,000 |
| Provision for loan losses | -23,000 | -33,000 | -33,000 | -281,000 |
| Pretax income | 358,000 | 637,000 | 285,000 | -345,000 |
| Income tax | 148,000 | 263,000 | 119,000 | -142,000 |
| Net income | 210,000 | 374,000 | 166,000 | -203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,152,000 | 20,318,000 | 20,112,000 | 19,745,000 |
| Total capital | 20,561,000 | 20,709,000 | 20,443,000 | 20,045,000 |
| Risk-weighted assets | 31,774,000 | 30,231,000 | 25,563,000 | 23,084,000 |