Call reports 2004
MECHANICS SAVINGS BANK — 2004
What MECHANICS SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 209,032,000 | 214,458,000 | 222,013,000 | 230,811,000 |
| Total loans | 177,297,000 | 184,757,000 | 190,098,000 | 197,326,000 |
| Allowance for loan losses | 1,917,000 | 1,892,000 | 1,879,000 | 1,943,000 |
| Securities available for sale | 21,938,000 | 19,707,000 | 20,671,000 | 21,309,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,383,000 | 176,451,000 | 183,447,000 | 192,442,000 |
| Interest-bearing deposits | 163,569,000 | 164,386,000 | 171,614,000 | 181,261,000 |
| Noninterest-bearing deposits | 9,814,000 | 12,065,000 | 11,833,000 | 11,181,000 |
| Equity capital | 27,378,000 | 27,840,000 | 28,729,000 | 29,518,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,274,000 | 6,599,000 | 10,100,000 | 13,717,000 |
| Interest expense | 1,177,000 | 2,341,000 | 3,571,000 | 4,916,000 |
| Net interest income | 2,097,000 | 4,258,000 | 6,529,000 | 8,801,000 |
| Noninterest income | 361,000 | 685,000 | 1,078,000 | 1,442,000 |
| Noninterest expense | 1,422,000 | 2,944,000 | 4,516,000 | 6,498,000 |
| Provision for loan losses | 100,000 | 190,000 | 280,000 | 370,000 |
| Pretax income | 933,000 | 1,785,000 | 2,787,000 | 3,395,000 |
| Income tax | 328,000 | 629,000 | 982,000 | 1,124,000 |
| Net income | 605,000 | 1,156,000 | 1,805,000 | 2,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,768,000 | 26,319,000 | 26,965,000 | 27,431,000 |
| Total capital | 27,600,000 | 28,190,000 | 28,879,000 | 29,409,000 |
| Risk-weighted assets | 146,502,000 | 149,648,000 | 154,832,000 | 160,370,000 |