Call reports 2004
MECHANICS BANK — 2004
What MECHANICS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 127,487,000 | 132,358,000 | 138,099,000 | 136,144,000 |
| Total loans | 89,788,000 | 89,473,000 | 92,582,000 | 93,598,000 |
| Allowance for loan losses | 922,000 | 1,044,000 | 1,171,000 | 1,320,000 |
| Securities available for sale | 24,625,000 | 26,696,000 | 26,401,000 | 25,654,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,001,000 | 102,832,000 | 109,112,000 | 112,163,000 |
| Interest-bearing deposits | 89,225,000 | 87,626,000 | 93,135,000 | 97,058,000 |
| Noninterest-bearing deposits | 13,776,000 | 15,206,000 | 15,977,000 | 15,105,000 |
| Equity capital | 11,722,000 | 16,755,000 | 17,315,000 | 16,150,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,826,000 | 3,671,000 | 5,618,000 | 7,597,000 |
| Interest expense | 561,000 | 1,022,000 | 1,529,000 | 2,052,000 |
| Net interest income | 1,265,000 | 2,649,000 | 4,089,000 | 5,545,000 |
| Noninterest income | 284,000 | 628,000 | 958,000 | 1,297,000 |
| Noninterest expense | 946,000 | 1,805,000 | 2,766,000 | 3,902,000 |
| Provision for loan losses | 125,000 | 275,000 | 425,000 | 610,000 |
| Pretax income | 478,000 | 1,197,000 | 1,856,000 | 2,330,000 |
| Income tax | 140,000 | 286,000 | 436,000 | 749,000 |
| Net income | 338,000 | 911,000 | 1,420,000 | 1,581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,147,000 | 16,583,000 | 16,872,000 | 15,879,000 |
| Total capital | 12,069,000 | 17,627,000 | 18,029,000 | 17,063,000 |
| Risk-weighted assets | 88,204,000 | 88,121,000 | 92,568,000 | 94,615,000 |
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