Call reports 2009
MECHANICS SAVINGS BANK — 2009
What MECHANICS SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 274,813,000 | 271,042,000 | 262,209,000 | 265,908,000 |
| Total loans | 255,169,000 | 252,512,000 | 247,102,000 | 251,207,000 |
| Allowance for loan losses | 6,083,000 | 6,530,000 | 6,996,000 | 8,000,000 |
| Securities available for sale | 7,195,000 | 6,599,000 | 5,254,000 | 4,050,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,241,000 | 202,865,000 | 195,527,000 | 195,308,000 |
| Interest-bearing deposits | 191,444,000 | 188,932,000 | 180,586,000 | 179,596,000 |
| Noninterest-bearing deposits | 13,797,000 | 13,933,000 | 14,941,000 | 15,711,000 |
| Equity capital | 31,258,000 | 31,439,000 | 31,536,000 | 31,812,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,229,000 | 8,329,000 | 12,294,000 | 16,519,000 |
| Interest expense | 1,515,000 | 2,953,000 | 4,242,000 | 5,435,000 |
| Net interest income | 2,714,000 | 5,376,000 | 8,052,000 | 11,084,000 |
| Noninterest income | 768,000 | 1,609,000 | 2,018,000 | 2,553,000 |
| Noninterest expense | 2,810,000 | 5,281,000 | 7,534,000 | 9,902,000 |
| Provision for loan losses | 618,000 | 1,475,000 | 2,230,000 | 3,378,000 |
| Pretax income | 73,000 | 380,000 | 457,000 | 508,000 |
| Income tax | 29,000 | 138,000 | 166,000 | 186,000 |
| Net income | 44,000 | 242,000 | 291,000 | 322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,013,000 | 31,193,000 | 31,241,000 | 31,473,000 |
| Total capital | 33,490,000 | 33,743,000 | 33,912,000 | 34,186,000 |
| Risk-weighted assets | 190,175,000 | 194,146,000 | 202,140,000 | 203,934,000 |