Call reports 2012
MECHANICS BANK — 2012
What MECHANICS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 201,327,000 | 200,758,000 | 200,824,000 | 203,182,000 |
| Total loans | 125,528,000 | 128,026,000 | 132,010,000 | 132,217,000 |
| Allowance for loan losses | 2,168,000 | 2,252,000 | 2,325,000 | 2,434,000 |
| Securities available for sale | 50,890,000 | 50,695,000 | 47,710,000 | 43,714,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,904,000 | 178,439,000 | 175,422,000 | 181,159,000 |
| Interest-bearing deposits | 155,473,000 | 154,288,000 | 150,059,000 | 153,485,000 |
| Noninterest-bearing deposits | 24,432,000 | 24,150,000 | 25,362,000 | 27,674,000 |
| Equity capital | 19,752,000 | 20,444,000 | 20,970,000 | 20,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,467,000 | 4,903,000 | 7,465,000 | 9,863,000 |
| Interest expense | 525,000 | 1,015,000 | 1,483,000 | 1,934,000 |
| Net interest income | 1,942,000 | 3,888,000 | 5,982,000 | 7,929,000 |
| Noninterest income | 390,000 | 767,000 | 1,171,000 | 1,571,000 |
| Noninterest expense | 1,390,000 | 2,941,000 | 4,606,000 | 6,399,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 891,000 | 1,649,000 | 2,473,000 | 2,957,000 |
| Income tax | 254,000 | 455,000 | 729,000 | 805,000 |
| Net income | 637,000 | 1,194,000 | 1,744,000 | 2,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,391,000 | 18,920,000 | 19,445,000 | 19,251,000 |
| Total capital | 20,034,000 | 20,595,000 | 21,107,000 | 20,900,000 |
| Risk-weighted assets | 130,899,000 | 133,293,000 | 132,318,000 | 131,076,000 |