Call reports 2006
MECHANICS BANK — 2006
What MECHANICS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 2,709,240,000 | 2,714,417,000 | 2,715,032,000 | 2,756,632,000 |
| Total loans | 1,688,707,000 | 1,755,664,000 | 1,755,347,000 | 1,739,417,000 |
| Allowance for loan losses | 24,444,000 | 25,501,000 | 26,746,000 | 26,584,000 |
| Securities available for sale | 800,259,000 | 743,295,000 | 782,078,000 | 782,663,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,274,669,000 | 2,214,216,000 | 2,262,719,000 | 2,265,289,000 |
| Interest-bearing deposits | 1,704,603,000 | 1,652,907,000 | 1,674,260,000 | 1,673,005,000 |
| Noninterest-bearing deposits | 570,066,000 | 561,309,000 | 588,459,000 | 592,284,000 |
| Equity capital | 243,282,000 | 244,063,000 | 257,521,000 | 253,461,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 37,114,000 | 76,602,000 | 117,250,000 | 159,051,000 |
| Interest expense | 12,602,000 | 26,939,000 | 42,662,000 | 58,950,000 |
| Net interest income | 24,512,000 | 49,663,000 | 74,588,000 | 100,101,000 |
| Noninterest income | 4,025,000 | 8,222,000 | 13,524,000 | 18,571,000 |
| Noninterest expense | 18,748,000 | 38,328,000 | 57,590,000 | 78,760,000 |
| Provision for loan losses | 1,141,000 | 1,816,000 | 2,814,000 | 2,692,000 |
| Pretax income | 8,663,000 | 17,800,000 | 27,645,000 | 37,167,000 |
| Income tax | 2,420,000 | 5,030,000 | 7,924,000 | 10,662,000 |
| Net income | 6,243,000 | 12,770,000 | 19,721,000 | 26,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 245,988,000 | 250,982,000 | 256,559,000 | 259,952,000 |
| Total capital | 271,364,000 | 276,956,000 | 282,205,000 | 285,576,000 |
| Risk-weighted assets | 2,028,274,000 | 2,075,847,000 | 2,049,202,000 | 2,044,241,000 |