Call reports 2006
MECHANICS & FARMERS BANK — 2006
What MECHANICS & FARMERS 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 | 238,971,000 | 250,868,000 | 247,987,000 | 267,868,000 |
| Total loans | 165,927,000 | 161,395,000 | 162,300,000 | 161,514,000 |
| Allowance for loan losses | 2,679,000 | 2,541,000 | 2,522,000 | 2,500,000 |
| Securities available for sale | 29,898,000 | 29,001,000 | 48,695,000 | 53,229,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,682,000 | 208,039,000 | 204,557,000 | 224,062,000 |
| Interest-bearing deposits | 159,060,000 | 176,024,000 | 173,261,000 | 193,217,000 |
| Noninterest-bearing deposits | 37,622,000 | 32,014,000 | 31,296,000 | 30,845,000 |
| Equity capital | 20,899,000 | 20,938,000 | 21,545,000 | 21,548,000 |
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 | 3,756,000 | 7,563,000 | 11,464,000 | 15,459,000 |
| Interest expense | 1,203,000 | 2,518,000 | 4,050,000 | 5,689,000 |
| Net interest income | 2,553,000 | 5,045,000 | 7,414,000 | 9,770,000 |
| Noninterest income | 515,000 | 1,019,000 | 1,500,000 | 2,148,000 |
| Noninterest expense | 2,220,000 | 4,478,000 | 6,779,000 | 9,192,000 |
| Provision for loan losses | -201,000 | -205,000 | -179,000 | -49,000 |
| Pretax income | 1,049,000 | 1,759,000 | 2,282,000 | 2,743,000 |
| Income tax | 294,000 | 508,000 | 559,000 | 607,000 |
| Net income | 755,000 | 1,251,000 | 1,723,000 | 2,136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,958,000 | 21,154,000 | 21,556,000 | 21,713,000 |
| Total capital | 23,472,000 | 23,630,000 | 23,978,000 | 24,220,000 |
| Risk-weighted assets | 185,245,000 | 188,148,000 | 183,609,000 | 189,649,000 |
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