Call reports 2010
MECHANICS & FARMERS BANK — 2010
What MECHANICS & FARMERS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 280,613,000 | 286,937,000 | 304,751,000 | 312,175,000 |
| Total loans | 208,478,000 | 206,699,000 | 205,741,000 | 201,770,000 |
| Allowance for loan losses | 3,749,000 | 3,795,000 | 3,831,000 | 3,851,000 |
| Securities available for sale | 17,304,000 | 15,809,000 | 20,467,000 | 20,627,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,749,000 | 246,811,000 | 264,832,000 | 272,270,000 |
| Interest-bearing deposits | 194,195,000 | 189,925,000 | 216,698,000 | 223,962,000 |
| Noninterest-bearing deposits | 46,554,000 | 56,886,000 | 48,134,000 | 48,308,000 |
| Equity capital | 32,905,000 | 33,322,000 | 33,478,000 | 33,381,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,376,000 | 6,714,000 | 10,038,000 | 13,147,000 |
| Interest expense | 519,000 | 1,030,000 | 1,517,000 | 1,932,000 |
| Net interest income | 2,857,000 | 5,684,000 | 8,521,000 | 11,215,000 |
| Noninterest income | 429,000 | 841,000 | 689,000 | 978,000 |
| Noninterest expense | 2,725,000 | 5,463,000 | 7,821,000 | 10,486,000 |
| Provision for loan losses | 191,000 | 267,000 | 424,000 | 520,000 |
| Pretax income | 370,000 | 821,000 | 991,000 | 1,213,000 |
| Income tax | 89,000 | 201,000 | 243,000 | 195,000 |
| Net income | 281,000 | 620,000 | 748,000 | 1,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,559,000 | 30,863,000 | 30,972,000 | 31,213,000 |
| Total capital | 33,469,000 | 33,712,000 | 33,552,000 | 33,732,000 |
| Risk-weighted assets | 232,179,000 | 227,127,000 | 205,270,000 | 200,293,000 |
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