Call reports 2005
MECHANICS BANK — 2005
What MECHANICS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 2,485,616,000 | 2,531,776,000 | 2,644,289,000 | 2,644,850,000 |
| Total loans | 1,564,320,000 | 1,594,698,000 | 1,648,678,000 | 1,670,763,000 |
| Allowance for loan losses | 23,119,000 | 24,100,000 | 25,041,000 | 23,255,000 |
| Securities available for sale | 738,214,000 | 740,670,000 | 791,042,000 | 787,594,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,104,162,000 | 2,149,173,000 | 2,248,077,000 | 2,249,464,000 |
| Interest-bearing deposits | 1,618,070,000 | 1,635,342,000 | 1,685,778,000 | 1,685,325,000 |
| Noninterest-bearing deposits | 486,092,000 | 513,831,000 | 562,299,000 | 564,139,000 |
| Equity capital | 224,942,000 | 232,609,000 | 235,889,000 | 237,852,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 31,401,000 | 63,836,000 | 99,173,000 | 135,886,000 |
| Interest expense | 8,757,000 | 18,500,000 | 29,175,000 | 41,010,000 |
| Net interest income | 22,644,000 | 45,336,000 | 69,998,000 | 94,876,000 |
| Noninterest income | 3,954,000 | 7,882,000 | 12,024,000 | 16,181,000 |
| Noninterest expense | 17,388,000 | 35,483,000 | 53,851,000 | 74,752,000 |
| Provision for loan losses | 877,000 | 1,777,000 | 2,603,000 | 1,422,000 |
| Pretax income | 8,362,000 | 16,002,000 | 25,635,000 | 35,130,000 |
| Income tax | 2,601,000 | 4,696,000 | 7,332,000 | 10,017,000 |
| Net income | 5,761,000 | 11,306,000 | 18,303,000 | 25,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 228,136,000 | 232,222,000 | 237,621,000 | 241,171,000 |
| Total capital | 251,512,000 | 256,279,000 | 262,473,000 | 266,316,000 |
| Risk-weighted assets | 1,869,705,000 | 1,923,860,000 | 1,987,339,000 | 2,010,810,000 |
Machine access — free, no API key
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