Call reports 2005
MECHANICS BANK — 2005
What MECHANICS BANK 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 | 143,090,000 | 147,390,000 | 154,735,000 | 155,541,000 |
| Total loans | 96,443,000 | 100,488,000 | 104,911,000 | 102,316,000 |
| Allowance for loan losses | 1,286,000 | 1,264,000 | 1,270,000 | 1,315,000 |
| Securities available for sale | 31,397,000 | 31,711,000 | 32,835,000 | 33,451,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,825,000 | 115,927,000 | 124,180,000 | 123,717,000 |
| Interest-bearing deposits | 101,958,000 | 98,671,000 | 105,697,000 | 106,464,000 |
| Noninterest-bearing deposits | 16,867,000 | 17,256,000 | 18,483,000 | 17,253,000 |
| Equity capital | 16,309,000 | 16,572,000 | 16,854,000 | 15,948,000 |
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 | 1,985,000 | 4,111,000 | 6,464,000 | 8,829,000 |
| Interest expense | 587,000 | 1,232,000 | 2,021,000 | 2,891,000 |
| Net interest income | 1,398,000 | 2,879,000 | 4,443,000 | 5,938,000 |
| Noninterest income | 295,000 | 617,000 | 950,000 | 1,276,000 |
| Noninterest expense | 1,082,000 | 2,124,000 | 3,211,000 | 4,757,000 |
| Provision for loan losses | 25,000 | 25,000 | 75,000 | 125,000 |
| Pretax income | 586,000 | 1,356,000 | 2,116,000 | 2,341,000 |
| Income tax | 165,000 | 408,000 | 458,000 | 675,000 |
| Net income | 421,000 | 948,000 | 1,658,000 | 1,666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,119,000 | 16,189,000 | 16,788,000 | 16,039,000 |
| Total capital | 17,344,000 | 17,453,000 | 18,058,000 | 17,354,000 |
| Risk-weighted assets | 97,972,000 | 101,307,000 | 108,244,000 | 107,675,000 |
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