Call reports 2019
MECHANICS BANK — 2019
What MECHANICS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 227,890,000 | 233,510,000 | 233,700,000 | 230,335,000 |
| Total loans | 157,751,000 | 159,358,000 | 156,803,000 | 156,242,000 |
| Allowance for loan losses | 1,989,000 | 1,870,000 | 1,864,000 | 1,901,000 |
| Securities available for sale | 38,229,000 | 39,155,000 | 40,360,000 | 40,753,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,713,000 | 204,383,000 | 203,954,000 | 201,763,000 |
| Interest-bearing deposits | 157,325,000 | 160,903,000 | 159,933,000 | 157,743,000 |
| Noninterest-bearing deposits | 42,387,000 | 43,479,000 | 44,021,000 | 44,021,000 |
| Equity capital | 24,516,000 | 25,245,000 | 25,967,000 | 25,189,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,449,000 | 5,020,000 | 7,756,000 | 10,380,000 |
| Interest expense | 558,000 | 1,176,000 | 1,843,000 | 2,481,000 |
| Net interest income | 1,891,000 | 3,844,000 | 5,913,000 | 7,899,000 |
| Noninterest income | 702,000 | 1,201,000 | 1,761,000 | 2,280,000 |
| Noninterest expense | 1,765,000 | 3,630,000 | 5,439,000 | 7,688,000 |
| Provision for loan losses | 0 | 0 | 0 | 73,000 |
| Pretax income | 881,000 | 1,478,000 | 2,399,000 | 2,664,000 |
| Income tax | 199,000 | 328,000 | 523,000 | 575,000 |
| Net income | 682,000 | 1,150,000 | 1,876,000 | 2,089,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,382,000 | 24,713,000 | 25,505,000 | 24,810,000 |
| Total capital | 26,371,000 | 26,583,000 | 27,369,000 | 26,711,000 |
| Risk-weighted assets | 160,127,000 | 161,752,000 | 160,698,000 | 160,623,000 |