Call reports 2003
MECHANICS BANK — 2003
What MECHANICS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 128,091,000 | 126,443,000 | 128,145,000 | 126,159,000 |
| Total loans | 86,767,000 | 89,925,000 | 87,125,000 | 87,533,000 |
| Allowance for loan losses | 801,000 | 805,000 | 888,000 | 829,000 |
| Securities available for sale | 28,396,000 | 25,927,000 | 25,747,000 | 24,708,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,280,000 | 109,251,000 | 110,621,000 | 110,697,000 |
| Interest-bearing deposits | 96,444,000 | 95,511,000 | 97,405,000 | 97,319,000 |
| Noninterest-bearing deposits | 14,836,000 | 13,740,000 | 13,216,000 | 13,378,000 |
| Equity capital | 11,431,000 | 11,735,000 | 12,049,000 | 11,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,957,000 | 3,998,000 | 6,063,000 | 7,949,000 |
| Interest expense | 740,000 | 1,463,000 | 2,112,000 | 2,711,000 |
| Net interest income | 1,217,000 | 2,535,000 | 3,951,000 | 5,238,000 |
| Noninterest income | 267,000 | 590,000 | 893,000 | 1,145,000 |
| Noninterest expense | 813,000 | 1,825,000 | 2,694,000 | 3,696,000 |
| Provision for loan losses | 75,000 | 165,000 | 343,000 | 593,000 |
| Pretax income | 629,000 | 1,168,000 | 1,840,000 | 2,127,000 |
| Income tax | 197,000 | 286,000 | 436,000 | 617,000 |
| Net income | 432,000 | 882,000 | 1,404,000 | 1,510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,061,000 | 11,095,000 | 11,627,000 | 10,869,000 |
| Total capital | 11,862,000 | 11,900,000 | 12,515,000 | 11,698,000 |
| Risk-weighted assets | 86,300,000 | 85,689,000 | 85,390,000 | 87,159,000 |
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