Call reports 2015
MECHANICS BANK — 2015
What MECHANICS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 219,045,000 | 215,035,000 | 216,192,000 | 215,786,000 |
| Total loans | 128,441,000 | 131,651,000 | 131,596,000 | 136,907,000 |
| Allowance for loan losses | 2,923,000 | 2,757,000 | 2,915,000 | 2,913,000 |
| Securities available for sale | 55,805,000 | 57,824,000 | 56,019,000 | 53,871,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,164,000 | 191,458,000 | 191,878,000 | 191,449,000 |
| Interest-bearing deposits | 159,114,000 | 154,523,000 | 153,107,000 | 150,797,000 |
| Noninterest-bearing deposits | 36,050,000 | 36,936,000 | 38,771,000 | 40,652,000 |
| Equity capital | 22,241,000 | 22,079,000 | 22,673,000 | 22,171,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,165,000 | 4,364,000 | 6,692,000 | 8,898,000 |
| Interest expense | 338,000 | 661,000 | 981,000 | 1,285,000 |
| Net interest income | 1,827,000 | 3,703,000 | 5,711,000 | 7,613,000 |
| Noninterest income | 301,000 | 613,000 | 952,000 | 1,268,000 |
| Noninterest expense | 1,568,000 | 3,152,000 | 4,883,000 | 6,705,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 660,000 |
| Pretax income | 458,000 | 921,000 | 1,363,000 | 1,679,000 |
| Income tax | 154,000 | 266,000 | 365,000 | 432,000 |
| Net income | 304,000 | 655,000 | 998,000 | 1,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,691,000 | 22,017,000 | 22,336,000 | 21,983,000 |
| Total capital | 23,374,000 | 23,700,000 | 24,045,000 | 23,772,000 |
| Risk-weighted assets | 133,415,000 | 133,556,000 | 135,448,000 | 142,058,000 |