Call reports 2007
MECHANICS & FARMERS BANK — 2007
What MECHANICS & FARMERS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 261,400,000 | 243,666,000 | 227,424,000 | 222,048,000 |
| Total loans | 150,528,000 | 146,677,000 | 144,968,000 | 146,080,000 |
| Allowance for loan losses | 2,519,000 | 2,314,000 | 2,302,000 | 1,897,000 |
| Securities available for sale | 64,969,000 | 65,332,000 | 55,130,000 | 43,612,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,418,000 | 200,236,000 | 183,698,000 | 172,411,000 |
| Interest-bearing deposits | 185,017,000 | 166,546,000 | 151,397,000 | 142,507,000 |
| Noninterest-bearing deposits | 32,401,000 | 33,690,000 | 32,301,000 | 29,904,000 |
| Equity capital | 21,709,000 | 21,294,000 | 21,979,000 | 21,885,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,023,000 | 8,006,000 | 11,680,000 | 15,169,000 |
| Interest expense | 1,785,000 | 3,446,000 | 4,961,000 | 6,352,000 |
| Net interest income | 2,238,000 | 4,560,000 | 6,719,000 | 8,817,000 |
| Noninterest income | 560,000 | 1,035,000 | 1,736,000 | 2,158,000 |
| Noninterest expense | 2,415,000 | 4,960,000 | 7,138,000 | 9,889,000 |
| Provision for loan losses | 37,000 | 49,000 | 59,000 | -299,000 |
| Pretax income | 590,000 | 830,000 | 1,450,000 | 1,588,000 |
| Income tax | 136,000 | 191,000 | 288,000 | 320,000 |
| Net income | 454,000 | 639,000 | 1,162,000 | 1,268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,951,000 | 22,024,000 | 22,347,000 | 22,243,000 |
| Total capital | 24,211,000 | 24,245,000 | 24,502,000 | 24,140,000 |
| Risk-weighted assets | 180,523,000 | 177,556,000 | 172,249,000 | 163,179,000 |
Machine access — free, no API key
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