Call reports 2009
MECHANICS & FARMERS BANK — 2009
What MECHANICS & FARMERS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 259,422,000 | 265,708,000 | 263,198,000 | 273,789,000 |
| Total loans | 211,435,000 | 212,725,000 | 208,113,000 | 210,111,000 |
| Allowance for loan losses | 3,032,000 | 3,156,000 | 3,540,000 | 3,564,000 |
| Securities available for sale | 27,246,000 | 22,111,000 | 20,068,000 | 17,699,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,381,000 | 222,140,000 | 219,289,000 | 227,819,000 |
| Interest-bearing deposits | 182,615,000 | 178,316,000 | 175,558,000 | 186,790,000 |
| Noninterest-bearing deposits | 40,766,000 | 43,824,000 | 43,732,000 | 41,029,000 |
| Equity capital | 24,893,000 | 32,070,000 | 32,678,000 | 32,649,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,618,000 | 7,111,000 | 10,637,000 | 13,980,000 |
| Interest expense | 892,000 | 1,642,000 | 2,306,000 | 2,857,000 |
| Net interest income | 2,726,000 | 5,469,000 | 8,331,000 | 11,123,000 |
| Noninterest income | 473,000 | 891,000 | 1,382,000 | 2,157,000 |
| Noninterest expense | 2,708,000 | 5,519,000 | 7,810,000 | 10,516,000 |
| Provision for loan losses | 59,000 | 181,000 | 804,000 | 1,853,000 |
| Pretax income | 494,000 | 769,000 | 1,239,000 | 1,053,000 |
| Income tax | 129,000 | 188,000 | 334,000 | 195,000 |
| Net income | 365,000 | 581,000 | 905,000 | 858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,562,000 | 30,057,000 | 30,347,000 | 30,305,000 |
| Total capital | 26,498,000 | 33,014,000 | 33,263,000 | 33,261,000 |
| Risk-weighted assets | 234,719,000 | 236,602,000 | 232,954,000 | 236,075,000 |
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