Call reports 2002
MECHANICS BANK — 2002
What MECHANICS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 1,958,816,000 | 1,971,323,000 | 2,025,614,000 | 2,087,848,000 |
| Total loans | 1,290,228,000 | 1,318,953,000 | 1,340,456,000 | 1,380,880,000 |
| Allowance for loan losses | 17,510,000 | 18,290,000 | 18,961,000 | 19,404,000 |
| Securities available for sale | 453,805,000 | 476,970,000 | 477,838,000 | 484,567,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,670,326,000 | 1,668,329,000 | 1,671,411,000 | 1,741,282,000 |
| Interest-bearing deposits | 1,341,885,000 | 1,322,735,000 | 1,325,069,000 | 1,381,988,000 |
| Noninterest-bearing deposits | 328,441,000 | 345,594,000 | 346,342,000 | 359,294,000 |
| Equity capital | 188,411,000 | 197,267,000 | 205,613,000 | 207,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 30,933,000 | 62,563,000 | 94,328,000 | 125,702,000 |
| Interest expense | 9,001,000 | 17,698,000 | 26,029,000 | 33,756,000 |
| Net interest income | 21,932,000 | 44,865,000 | 68,299,000 | 91,946,000 |
| Noninterest income | 3,841,000 | 7,262,000 | 10,728,000 | 14,225,000 |
| Noninterest expense | 15,204,000 | 30,785,000 | 46,506,000 | 62,477,000 |
| Provision for loan losses | 900,000 | 1,800,000 | 2,700,000 | 3,600,000 |
| Pretax income | 9,694,000 | 19,592,000 | 29,883,000 | 40,175,000 |
| Income tax | 3,249,000 | 6,569,000 | 10,053,000 | 13,560,000 |
| Net income | 6,445,000 | 13,023,000 | 19,830,000 | 26,615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 186,927,000 | 192,133,000 | 197,547,000 | 200,841,000 |
| Total capital | 204,437,000 | 210,423,000 | 216,508,000 | 220,245,000 |
| Risk-weighted assets | 1,468,455,000 | 1,523,632,000 | 1,553,615,000 | 1,608,972,000 |
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