Call reports 2006
MECHANICS BANK — 2006
What MECHANICS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 164,048,000 | 164,478,000 | 164,552,000 | 174,660,000 |
| Total loans | 106,699,000 | 110,510,000 | 111,365,000 | 109,708,000 |
| Allowance for loan losses | 1,378,000 | 1,393,000 | 1,341,000 | 1,295,000 |
| Securities available for sale | 36,684,000 | 35,407,000 | 34,429,000 | 38,743,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,833,000 | 134,986,000 | 131,812,000 | 143,334,000 |
| Interest-bearing deposits | 116,739,000 | 113,451,000 | 114,578,000 | 126,592,000 |
| Noninterest-bearing deposits | 18,094,000 | 21,535,000 | 17,234,000 | 16,742,000 |
| Equity capital | 16,553,000 | 16,884,000 | 17,577,000 | 16,109,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,469,000 | 5,157,000 | 7,942,000 | 10,903,000 |
| Interest expense | 1,036,000 | 2,199,000 | 3,450,000 | 4,896,000 |
| Net interest income | 1,433,000 | 2,958,000 | 4,492,000 | 6,007,000 |
| Noninterest income | 351,000 | 711,000 | 1,065,000 | 1,450,000 |
| Noninterest expense | 1,111,000 | 2,214,000 | 3,554,000 | 5,601,000 |
| Provision for loan losses | 45,000 | 45,000 | 45,000 | 45,000 |
| Pretax income | 628,000 | 1,410,000 | 1,958,000 | 1,811,000 |
| Income tax | 140,000 | 316,000 | 506,000 | 149,000 |
| Net income | 488,000 | 1,094,000 | 1,452,000 | 1,662,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,856,000 | 17,363,000 | 17,738,000 | 16,238,000 |
| Total capital | 18,234,000 | 18,756,000 | 19,079,000 | 17,533,000 |
| Risk-weighted assets | 113,689,000 | 116,968,000 | 128,237,000 | 119,746,000 |
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