Call reports 2015
MECHANICS & FARMERS BANK — 2015
What MECHANICS & FARMERS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 297,548,000 | 295,364,000 | 301,235,000 | 298,014,000 |
| Total loans | 172,697,000 | 176,179,000 | 175,756,000 | 164,849,000 |
| Allowance for loan losses | 3,446,000 | 3,439,000 | 3,437,000 | 3,435,000 |
| Securities available for sale | 74,660,000 | 72,812,000 | 72,461,000 | 79,941,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,194,000 | 254,146,000 | 258,839,000 | 254,923,000 |
| Interest-bearing deposits | 211,005,000 | 209,937,000 | 210,945,000 | 209,817,000 |
| Noninterest-bearing deposits | 45,189,000 | 44,209,000 | 47,894,000 | 45,106,000 |
| Equity capital | 35,503,000 | 35,422,000 | 36,106,000 | 35,604,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,575,000 | 5,225,000 | 7,973,000 | 10,611,000 |
| Interest expense | 173,000 | 337,000 | 497,000 | 717,000 |
| Net interest income | 2,402,000 | 4,888,000 | 7,476,000 | 9,894,000 |
| Noninterest income | 123,000 | 569,000 | 863,000 | 1,044,000 |
| Noninterest expense | 2,687,000 | 5,115,000 | 7,602,000 | 10,249,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -134,000 | 370,000 | 765,000 | 717,000 |
| Income tax | -3,000 | 107,000 | 188,000 | 176,000 |
| Net income | -131,000 | 263,000 | 577,000 | 541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,520,000 | 36,915,000 | 37,218,000 | 37,149,000 |
| Total capital | 39,065,000 | 39,508,000 | 39,800,000 | 39,629,000 |
| Risk-weighted assets | 202,737,000 | 206,289,000 | 205,354,000 | 197,115,000 |
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