Call reports 2012
MECHANICS & FARMERS BANK — 2012
What MECHANICS & FARMERS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 295,203,000 | 286,179,000 | 304,809,000 | 293,715,000 |
| Total loans | 176,850,000 | 178,569,000 | 176,900,000 | 173,212,000 |
| Allowance for loan losses | 3,697,000 | 3,679,000 | 3,498,000 | 3,499,000 |
| Securities available for sale | 42,482,000 | 55,257,000 | 62,933,000 | 60,811,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,540,000 | 245,224,000 | 263,039,000 | 252,219,000 |
| Interest-bearing deposits | 199,390,000 | 191,229,000 | 212,874,000 | 205,921,000 |
| Noninterest-bearing deposits | 55,151,000 | 53,996,000 | 50,165,000 | 46,298,000 |
| Equity capital | 34,151,000 | 34,349,000 | 34,778,000 | 34,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,864,000 | 5,716,000 | 8,783,000 | 11,481,000 |
| Interest expense | 229,000 | 432,000 | 625,000 | 915,000 |
| Net interest income | 2,635,000 | 5,284,000 | 8,158,000 | 10,566,000 |
| Noninterest income | 248,000 | 530,000 | 989,000 | 1,251,000 |
| Noninterest expense | 2,734,000 | 5,374,000 | 8,325,000 | 11,398,000 |
| Provision for loan losses | 0 | 44,000 | 166,000 | 166,000 |
| Pretax income | 203,000 | 584,000 | 912,000 | 698,000 |
| Income tax | 39,000 | 160,000 | 280,000 | 198,000 |
| Net income | 164,000 | 424,000 | 632,000 | 500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,031,000 | 32,266,000 | 32,454,000 | 32,483,000 |
| Total capital | 34,331,000 | 34,580,000 | 34,840,000 | 34,860,000 |
| Risk-weighted assets | 183,081,000 | 184,246,000 | 189,743,000 | 188,968,000 |
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