Call reports 2009
MECHANICS BANK — 2009
What MECHANICS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 209,698,000 | 205,956,000 | 201,846,000 | 197,010,000 |
| Total loans | 128,686,000 | 127,350,000 | 130,880,000 | 126,555,000 |
| Allowance for loan losses | 1,819,000 | 1,450,000 | 1,479,000 | 1,708,000 |
| Securities available for sale | 46,041,000 | 46,764,000 | 41,480,000 | 39,836,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,984,000 | 159,937,000 | 156,735,000 | 153,336,000 |
| Interest-bearing deposits | 139,315,000 | 141,014,000 | 137,556,000 | 133,879,000 |
| Noninterest-bearing deposits | 20,669,000 | 18,923,000 | 19,179,000 | 19,457,000 |
| Equity capital | 15,610,000 | 15,753,000 | 16,618,000 | 16,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,834,000 | 5,681,000 | 8,396,000 | 11,066,000 |
| Interest expense | 1,363,000 | 2,675,000 | 3,874,000 | 4,950,000 |
| Net interest income | 1,471,000 | 3,006,000 | 4,522,000 | 6,116,000 |
| Noninterest income | 409,000 | 810,000 | 1,364,000 | 1,773,000 |
| Noninterest expense | 1,383,000 | 2,954,000 | 4,462,000 | 6,330,000 |
| Provision for loan losses | 478,000 | 518,000 | 628,000 | 1,037,000 |
| Pretax income | 34,000 | 362,000 | 861,000 | 595,000 |
| Income tax | -6,000 | 1,000 | 123,000 | 52,000 |
| Net income | 40,000 | 361,000 | 738,000 | 543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,150,000 | 15,420,000 | 15,509,000 | 15,347,000 |
| Total capital | 16,864,000 | 16,870,000 | 16,988,000 | 17,009,000 |
| Risk-weighted assets | 137,019,000 | 136,656,000 | 136,304,000 | 132,924,000 |