Call reports 2005
MECHANICS SAVINGS BANK — 2005
What MECHANICS SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 229,795,000 | 236,682,000 | 241,019,000 | 242,983,000 |
| Total loans | 198,175,000 | 203,870,000 | 207,045,000 | 211,334,000 |
| Allowance for loan losses | 1,983,000 | 2,030,000 | 1,958,000 | 2,100,000 |
| Securities available for sale | 22,617,000 | 23,021,000 | 22,785,000 | 20,680,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,656,000 | 197,695,000 | 207,489,000 | 207,815,000 |
| Interest-bearing deposits | 183,564,000 | 186,077,000 | 197,488,000 | 198,758,000 |
| Noninterest-bearing deposits | 10,092,000 | 11,618,000 | 10,001,000 | 9,057,000 |
| Equity capital | 29,939,000 | 30,659,000 | 31,281,000 | 31,264,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,649,000 | 7,420,000 | 11,378,000 | 15,471,000 |
| Interest expense | 1,443,000 | 3,015,000 | 4,804,000 | 6,715,000 |
| Net interest income | 2,206,000 | 4,405,000 | 6,574,000 | 8,756,000 |
| Noninterest income | 296,000 | 580,000 | 860,000 | 1,202,000 |
| Noninterest expense | 1,673,000 | 3,342,000 | 5,086,000 | 7,002,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 515,000 |
| Pretax income | 745,000 | 1,501,000 | 2,218,000 | 2,817,000 |
| Income tax | 262,000 | 529,000 | 782,000 | 908,000 |
| Net income | 483,000 | 972,000 | 1,436,000 | 1,909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,914,000 | 28,404,000 | 28,868,000 | 29,337,000 |
| Total capital | 31,271,000 | 31,924,000 | 32,488,000 | 32,825,000 |
| Risk-weighted assets | 161,942,000 | 165,343,000 | 168,839,000 | 171,503,000 |