Call reports 2019
MECHANICS & FARMERS BANK — 2019
What MECHANICS & FARMERS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 267,837,000 | 262,318,000 | 267,214,000 | 265,273,000 |
| Total loans | 175,569,000 | 175,088,000 | 175,260,000 | 181,594,000 |
| Allowance for loan losses | 2,039,000 | 2,065,000 | 1,901,000 | 1,960,000 |
| Securities available for sale | 50,336,000 | 49,654,000 | 47,170,000 | 43,655,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,322,000 | 235,969,000 | 240,437,000 | 238,286,000 |
| Interest-bearing deposits | 186,083,000 | 178,575,000 | 182,626,000 | 180,378,000 |
| Noninterest-bearing deposits | 56,239,000 | 57,394,000 | 57,811,000 | 57,908,000 |
| Equity capital | 20,232,000 | 20,927,000 | 21,454,000 | 21,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,594,000 | 5,166,000 | 7,770,000 | 10,415,000 |
| Interest expense | 420,000 | 847,000 | 1,275,000 | 1,661,000 |
| Net interest income | 2,174,000 | 4,319,000 | 6,495,000 | 8,754,000 |
| Noninterest income | 464,000 | 1,003,000 | 1,551,000 | 2,176,000 |
| Noninterest expense | 2,434,000 | 4,951,000 | 7,374,000 | 9,632,000 |
| Provision for loan losses | -35,000 | -70,000 | -232,000 | -189,000 |
| Pretax income | 239,000 | 441,000 | 904,000 | 1,487,000 |
| Income tax | 34,000 | 70,000 | 168,000 | 341,000 |
| Net income | 205,000 | 371,000 | 736,000 | 1,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,812,000 | 21,027,000 | 21,425,000 | 21,705,000 |
| Total capital | 22,875,000 | 23,122,000 | 23,377,000 | 23,684,000 |
| Risk-weighted assets | 189,898,000 | 189,789,000 | 189,909,000 | 193,221,000 |
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