Call reports 2021
MECHANICS & FARMERS BANK — 2021
What MECHANICS & FARMERS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 343,416,000 | 358,383,000 | 373,151,000 | 365,178,000 |
| Total loans | 185,759,000 | 223,866,000 | 234,250,000 | 231,908,000 |
| Allowance for loan losses | 2,581,000 | 2,439,000 | 2,356,000 | 2,272,000 |
| Securities available for sale | 59,333,000 | 66,946,000 | 68,429,000 | 72,326,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,706,000 | 312,661,000 | 319,519,000 | 317,562,000 |
| Interest-bearing deposits | 190,603,000 | 198,281,000 | 205,394,000 | 210,363,000 |
| Noninterest-bearing deposits | 108,103,000 | 114,380,000 | 114,125,000 | 107,199,000 |
| Equity capital | 39,675,000 | 40,722,000 | 41,333,000 | 42,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,455,000 | 5,087,000 | 8,379,000 | 11,617,000 |
| Interest expense | 94,000 | 188,000 | 266,000 | 332,000 |
| Net interest income | 2,361,000 | 4,899,000 | 8,113,000 | 11,285,000 |
| Noninterest income | 956,000 | 1,999,000 | 3,082,000 | 4,172,000 |
| Noninterest expense | 2,694,000 | 5,553,000 | 8,766,000 | 11,987,000 |
| Provision for loan losses | -78,000 | -218,000 | -295,000 | -373,000 |
| Pretax income | 701,000 | 1,563,000 | 2,724,000 | 3,843,000 |
| Income tax | 145,000 | 366,000 | 586,000 | 875,000 |
| Net income | 556,000 | 1,197,000 | 2,138,000 | 2,968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,044,000 | 42,032,000 | 43,070,000 | 43,897,000 |
| Total capital | 43,428,000 | 44,499,000 | 45,453,000 | 46,190,000 |
| Risk-weighted assets | 190,490,000 | 200,007,000 | 214,348,000 | 220,314,000 |
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