Call reports 2012
MECHANICS SAVINGS BANK — 2012
What MECHANICS SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 338,294,000 | 337,270,000 | 332,717,000 | 334,823,000 |
| Total loans | 284,191,000 | 285,492,000 | 285,202,000 | 288,463,000 |
| Allowance for loan losses | 7,521,000 | 7,672,000 | 7,828,000 | 8,055,000 |
| Securities available for sale | 36,301,000 | 34,781,000 | 36,000,000 | 34,769,000 |
| Securities held to maturity | 4,999,000 | 3,500,000 | 0 | 2,618,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,552,000 | 251,705,000 | 254,725,000 | 240,789,000 |
| Interest-bearing deposits | 225,146,000 | 225,124,000 | 224,169,000 | 211,173,000 |
| Noninterest-bearing deposits | 24,406,000 | 26,581,000 | 30,556,000 | 29,616,000 |
| Equity capital | 34,170,000 | 34,938,000 | 35,607,000 | 35,228,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,019,000 | 8,077,000 | 11,998,000 | 15,847,000 |
| Interest expense | 859,000 | 1,648,000 | 2,401,000 | 3,130,000 |
| Net interest income | 3,160,000 | 6,429,000 | 9,597,000 | 12,717,000 |
| Noninterest income | 232,000 | 628,000 | 949,000 | 1,185,000 |
| Noninterest expense | 2,927,000 | 5,604,000 | 8,081,000 | 10,147,000 |
| Provision for loan losses | 0 | 0 | 250,000 | 1,150,000 |
| Pretax income | 465,000 | 1,497,000 | 2,439,000 | 2,830,000 |
| Income tax | 163,000 | 524,000 | 854,000 | 1,041,000 |
| Net income | 302,000 | 973,000 | 1,585,000 | 1,789,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,420,000 | 34,095,000 | 34,711,000 | 34,470,000 |
| Total capital | 36,734,000 | 37,385,000 | 37,951,000 | 37,737,000 |
| Risk-weighted assets | 238,174,000 | 235,836,000 | 235,266,000 | 238,332,000 |