Call reports 2025
MECHANICS COOPERATIVE BANK — 2025
What MECHANICS COOPERATIVE 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 | 828,366,000 | 830,578,000 | 850,614,000 | 862,215,000 |
| Total loans | 700,799,000 | 697,130,000 | 718,637,000 | 729,303,000 |
| Allowance for loan losses | 5,658,000 | 5,651,000 | 5,797,000 | 6,277,000 |
| Securities available for sale | 80,931,000 | 81,058,000 | 82,184,000 | 82,953,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 2,486,000 | 2,297,000 | 2,186,000 | 2,212,000 |
| Total deposits | 667,120,000 | 657,211,000 | 662,367,000 | 701,150,000 |
| Interest-bearing deposits | 563,137,000 | 556,693,000 | 558,375,000 | 590,602,000 |
| Noninterest-bearing deposits | 103,983,000 | 100,518,000 | 103,992,000 | 110,548,000 |
| Equity capital | 99,424,000 | 102,303,000 | 105,009,000 | 107,790,000 |
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 | 12,271,000 | 24,513,000 | 37,415,000 | 50,131,000 |
| Interest expense | 4,466,000 | 8,802,000 | 13,125,000 | 17,454,000 |
| Net interest income | 7,805,000 | 15,711,000 | 24,290,000 | 32,677,000 |
| Noninterest income | 566,000 | 1,287,000 | 1,772,000 | 2,363,000 |
| Noninterest expense | 4,978,000 | 9,840,000 | 14,847,000 | 20,031,000 |
| Provision for loan losses | 14,000 | 10,000 | 155,000 | 635,000 |
| Pretax income | 3,356,000 | 7,171,000 | 10,960,000 | 14,133,000 |
| Income tax | 885,000 | 1,849,000 | 2,809,000 | 3,577,000 |
| Net income | 2,471,000 | 5,322,000 | 8,151,000 | 10,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,361,000 | 106,212,000 | 108,291,000 | 110,695,000 |
| Total capital | 109,663,000 | 112,461,000 | 114,808,000 | 117,834,000 |
| Risk-weighted assets | 663,450,000 | 657,458,000 | 694,472,000 | 721,923,000 |