Call reports 2003
MECHANICS BANK — 2003
What MECHANICS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 2,076,034,000 | 2,108,422,000 | 2,178,829,000 | 2,270,485,000 |
| Total loans | 1,378,275,000 | 1,484,283,000 | 1,505,476,000 | 1,584,623,000 |
| Allowance for loan losses | 20,092,000 | 19,315,000 | 20,069,000 | 21,000,000 |
| Securities available for sale | 504,081,000 | 430,788,000 | 460,490,000 | 484,796,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,726,384,000 | 1,754,212,000 | 1,828,000,000 | 1,903,729,000 |
| Interest-bearing deposits | 1,361,039,000 | 1,379,062,000 | 1,430,268,000 | 1,459,513,000 |
| Noninterest-bearing deposits | 365,345,000 | 375,150,000 | 397,732,000 | 444,216,000 |
| Equity capital | 212,067,000 | 218,394,000 | 220,507,000 | 224,051,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 30,110,000 | 60,084,000 | 90,104,000 | 121,040,000 |
| Interest expense | 7,070,000 | 13,826,000 | 20,012,000 | 26,102,000 |
| Net interest income | 23,040,000 | 46,258,000 | 70,092,000 | 94,938,000 |
| Noninterest income | 3,781,000 | 7,741,000 | 11,483,000 | 15,310,000 |
| Noninterest expense | 16,174,000 | 32,749,000 | 49,243,000 | 66,415,000 |
| Provision for loan losses | 900,000 | 1,800,000 | 2,700,000 | 3,600,000 |
| Pretax income | 9,786,000 | 19,537,000 | 29,874,000 | 40,690,000 |
| Income tax | 3,330,000 | 6,477,000 | 10,077,000 | 13,850,000 |
| Net income | 6,456,000 | 13,060,000 | 19,797,000 | 26,840,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 205,807,000 | 210,896,000 | 216,113,000 | 219,631,000 |
| Total capital | 225,737,000 | 230,211,000 | 236,182,000 | 240,631,000 |
| Risk-weighted assets | 1,594,254,000 | 1,695,087,000 | 1,739,210,000 | 1,820,445,000 |
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