Call reports 2025
MECHANICS & FARMERS BANK — 2025
What MECHANICS & FARMERS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 499,145,000 | 493,257,000 | 490,954,000 | 479,538,000 |
| Total loans | 286,578,000 | 283,051,000 | 274,902,000 | 279,067,000 |
| Allowance for loan losses | 4,093,000 | 4,329,000 | 3,966,000 | 4,534,000 |
| Securities available for sale | 153,648,000 | 152,981,000 | 152,149,000 | 160,217,000 |
| Securities held to maturity | 4,005,000 | 3,905,000 | 3,800,000 | 3,700,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 427,806,000 | 421,195,000 | 417,936,000 | 405,479,000 |
| Interest-bearing deposits | 334,347,000 | 323,948,000 | 325,161,000 | 313,610,000 |
| Noninterest-bearing deposits | 93,459,000 | 97,247,000 | 92,775,000 | 91,869,000 |
| Equity capital | 64,568,000 | 65,733,000 | 67,502,000 | 68,186,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,290,000 | 12,729,000 | 19,097,000 | 25,400,000 |
| Interest expense | 1,513,000 | 2,953,000 | 4,342,000 | 5,621,000 |
| Net interest income | 4,777,000 | 9,776,000 | 14,755,000 | 19,779,000 |
| Noninterest income | 870,000 | 1,705,000 | 2,493,000 | 3,060,000 |
| Noninterest expense | 4,205,000 | 8,704,000 | 12,720,000 | 17,137,000 |
| Provision for loan losses | 285,000 | 533,000 | 511,000 | 1,136,000 |
| Pretax income | 1,132,000 | 2,176,000 | 3,954,000 | 4,502,000 |
| Income tax | 246,000 | 459,000 | 836,000 | 952,000 |
| Net income | 886,000 | 1,717,000 | 3,118,000 | 3,550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,910,000 | 72,248,000 | 73,144,000 | 73,102,000 |
| Total capital | 75,723,000 | 75,987,000 | 76,847,000 | 76,825,000 |
| Risk-weighted assets | 304,547,000 | 298,260,000 | 295,737,000 | 296,758,000 |