Call reports 2001
MECHANICS SAVINGS BANK — 2001
What MECHANICS SAVINGS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 151,696,000 | 155,777,000 | 167,472,000 | 173,735,000 |
| Total loans | 115,043,000 | 118,424,000 | 127,671,000 | 134,136,000 |
| Allowance for loan losses | 1,414,000 | 1,489,000 | 1,494,000 | 1,666,000 |
| Securities available for sale | 24,409,000 | 28,056,000 | 28,371,000 | 31,253,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,616,000 | 132,641,000 | 144,740,000 | 146,392,000 |
| Interest-bearing deposits | 124,706,000 | 126,896,000 | 137,848,000 | 139,586,000 |
| Noninterest-bearing deposits | 3,910,000 | 5,745,000 | 6,892,000 | 6,806,000 |
| Equity capital | 21,381,000 | 21,472,000 | 21,226,000 | 21,775,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,983,000 | 6,038,000 | 9,185,000 | 12,429,000 |
| Interest expense | 1,690,000 | 3,404,000 | 5,134,000 | 6,732,000 |
| Net interest income | 1,293,000 | 2,634,000 | 4,051,000 | 5,697,000 |
| Noninterest income | 118,000 | 262,000 | 397,000 | 794,000 |
| Noninterest expense | 991,000 | 1,995,000 | 3,157,000 | 4,426,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 390,000 |
| Pretax income | 360,000 | 757,000 | 1,087,000 | 1,808,000 |
| Income tax | 129,000 | 271,000 | 389,000 | 592,000 |
| Net income | 231,000 | 486,000 | 698,000 | 1,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,712,000 | 18,967,000 | 19,166,000 | 19,667,000 |
| Total capital | 19,716,000 | 20,058,000 | 20,350,000 | 20,954,000 |
| Risk-weighted assets | 79,945,000 | 87,254,000 | 94,428,000 | 102,617,000 |