Call reports 2022
MECHANICS & FARMERS BANK — 2022
What MECHANICS & FARMERS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 370,124,000 | 451,386,000 | 434,248,000 | 429,685,000 |
| Total loans | 228,401,000 | 224,828,000 | 228,714,000 | 246,909,000 |
| Allowance for loan losses | 2,194,000 | 2,337,000 | 2,660,000 | 2,863,000 |
| Securities available for sale | 74,235,000 | 73,732,000 | 67,515,000 | 67,092,000 |
| Securities held to maturity | 0 | 0 | 4,587,000 | 4,960,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,915,000 | 394,038,000 | 379,064,000 | 371,461,000 |
| Interest-bearing deposits | 208,921,000 | 207,979,000 | 268,232,000 | 266,242,000 |
| Noninterest-bearing deposits | 116,994,000 | 186,059,000 | 110,832,000 | 105,219,000 |
| Equity capital | 39,197,000 | 52,763,000 | 50,404,000 | 52,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,181,000 | 6,483,000 | 10,375,000 | 15,041,000 |
| Interest expense | 67,000 | 137,000 | 275,000 | 461,000 |
| Net interest income | 3,114,000 | 6,346,000 | 10,100,000 | 14,580,000 |
| Noninterest income | 1,112,000 | 2,557,000 | 3,894,000 | 5,217,000 |
| Noninterest expense | 3,130,000 | 6,359,000 | 9,789,000 | 13,445,000 |
| Provision for loan losses | -10,000 | 136,000 | 484,000 | 699,000 |
| Pretax income | 1,106,000 | 2,408,000 | 3,721,000 | 5,653,000 |
| Income tax | 238,000 | 506,000 | 804,000 | 1,218,000 |
| Net income | 868,000 | 1,902,000 | 2,917,000 | 4,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,667,000 | 60,818,000 | 62,059,000 | 63,740,000 |
| Total capital | 46,895,000 | 63,196,000 | 64,762,000 | 66,646,000 |
| Risk-weighted assets | 224,094,000 | 239,565,000 | 246,563,000 | 263,304,000 |
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