Call reports 2014
MECHANICS & FARMERS BANK — 2014
What MECHANICS & FARMERS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 299,818,000 | 298,773,000 | 289,202,000 | 298,182,000 |
| Total loans | 187,032,000 | 184,900,000 | 185,183,000 | 175,088,000 |
| Allowance for loan losses | 3,486,000 | 3,449,000 | 3,461,000 | 3,440,000 |
| Securities available for sale | 66,756,000 | 69,495,000 | 70,916,000 | 69,703,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,890,000 | 256,992,000 | 247,613,000 | 256,465,000 |
| Interest-bearing deposits | 208,200,000 | 205,594,000 | 203,020,000 | 214,055,000 |
| Noninterest-bearing deposits | 50,690,000 | 51,398,000 | 44,593,000 | 42,410,000 |
| Equity capital | 35,310,000 | 36,028,000 | 36,221,000 | 35,528,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,837,000 | 5,602,000 | 8,425,000 | 11,282,000 |
| Interest expense | 174,000 | 339,000 | 495,000 | 699,000 |
| Net interest income | 2,663,000 | 5,263,000 | 7,930,000 | 10,583,000 |
| Noninterest income | 410,000 | 1,333,000 | 1,982,000 | 2,170,000 |
| Noninterest expense | 2,606,000 | 5,237,000 | 7,961,000 | 10,748,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 50,000 |
| Pretax income | 467,000 | 1,359,000 | 1,901,000 | 1,969,000 |
| Income tax | 155,000 | 471,000 | 692,000 | 678,000 |
| Net income | 312,000 | 888,000 | 1,209,000 | 1,291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,469,000 | 34,288,000 | 34,811,000 | 34,479,000 |
| Total capital | 36,194,000 | 36,886,000 | 37,452,000 | 36,991,000 |
| Risk-weighted assets | 217,193,000 | 206,949,000 | 210,426,000 | 199,964,000 |
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