Call reports 2013
MECHANICS BANK — 2013
What MECHANICS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 208,368,000 | 213,093,000 | 212,082,000 | 208,111,000 |
| Total loans | 132,196,000 | 138,182,000 | 141,738,000 | 142,580,000 |
| Allowance for loan losses | 2,495,000 | 2,536,000 | 2,181,000 | 2,221,000 |
| Securities available for sale | 47,047,000 | 47,184,000 | 49,234,000 | 43,734,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,636,000 | 190,472,000 | 187,928,000 | 185,788,000 |
| Interest-bearing deposits | 158,139,000 | 159,585,000 | 156,853,000 | 154,648,000 |
| Noninterest-bearing deposits | 27,496,000 | 30,886,000 | 31,075,000 | 31,141,000 |
| Equity capital | 21,122,000 | 20,945,000 | 20,851,000 | 20,804,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,401,000 | 4,906,000 | 7,492,000 | 10,070,000 |
| Interest expense | 436,000 | 866,000 | 1,303,000 | 1,723,000 |
| Net interest income | 1,965,000 | 4,040,000 | 6,189,000 | 8,347,000 |
| Noninterest income | 355,000 | 852,000 | 1,246,000 | 1,863,000 |
| Noninterest expense | 1,529,000 | 3,153,000 | 4,828,000 | 6,879,000 |
| Provision for loan losses | 75,000 | 206,000 | 572,000 | 647,000 |
| Pretax income | 928,000 | 1,860,000 | 2,444,000 | 3,176,000 |
| Income tax | 265,000 | 519,000 | 679,000 | 632,000 |
| Net income | 663,000 | 1,341,000 | 1,765,000 | 2,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,889,000 | 20,523,000 | 20,924,000 | 21,102,000 |
| Total capital | 21,562,000 | 22,252,000 | 22,667,000 | 22,852,000 |
| Risk-weighted assets | 132,983,000 | 137,511,000 | 138,968,000 | 139,564,000 |