Call reports 2013
MECHANICS & FARMERS BANK — 2013
What MECHANICS & FARMERS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 269,227,000 | 282,160,000 | 291,792,000 | 301,300,000 |
| Total loans | 179,635,000 | 173,837,000 | 187,156,000 | 189,475,000 |
| Allowance for loan losses | 3,501,000 | 3,234,000 | 3,237,000 | 3,493,000 |
| Securities available for sale | 60,401,000 | 56,133,000 | 57,938,000 | 65,919,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,902,000 | 241,513,000 | 250,816,000 | 260,856,000 |
| Interest-bearing deposits | 181,711,000 | 193,039,000 | 204,519,000 | 211,868,000 |
| Noninterest-bearing deposits | 46,191,000 | 48,474,000 | 46,297,000 | 48,988,000 |
| Equity capital | 34,509,000 | 34,205,000 | 34,227,000 | 34,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,651,000 | 5,338,000 | 8,203,000 | 11,193,000 |
| Interest expense | 191,000 | 365,000 | 555,000 | 767,000 |
| Net interest income | 2,460,000 | 4,973,000 | 7,648,000 | 10,426,000 |
| Noninterest income | 348,000 | 577,000 | 933,000 | 1,616,000 |
| Noninterest expense | 2,728,000 | 5,374,000 | 8,047,000 | 10,918,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 329,000 |
| Pretax income | 80,000 | 176,000 | 524,000 | 795,000 |
| Income tax | 26,000 | 60,000 | 217,000 | 246,000 |
| Net income | 54,000 | 116,000 | 307,000 | 549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,623,000 | 32,449,000 | 32,617,000 | 32,910,000 |
| Total capital | 35,087,000 | 34,878,000 | 35,211,000 | 35,573,000 |
| Risk-weighted assets | 196,085,000 | 193,538,000 | 206,803,000 | 212,185,000 |
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