Call reports 2015
MECHANICS SAVINGS BANK — 2015
What MECHANICS SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 368,208,000 | 371,224,000 | 370,154,000 | 374,363,000 |
| Total loans | 313,942,000 | 317,662,000 | 318,218,000 | 324,209,000 |
| Allowance for loan losses | 4,273,000 | 4,313,000 | 4,028,000 | 4,019,000 |
| Securities available for sale | 26,794,000 | 26,090,000 | 25,737,000 | 24,094,000 |
| Securities held to maturity | 11,696,000 | 11,118,000 | 11,120,000 | 9,622,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,946,000 | 260,613,000 | 262,145,000 | 258,618,000 |
| Interest-bearing deposits | 221,504,000 | 226,034,000 | 223,862,000 | 223,232,000 |
| Noninterest-bearing deposits | 32,442,000 | 34,579,000 | 38,283,000 | 35,386,000 |
| Equity capital | 40,164,000 | 40,307,000 | 41,039,000 | 42,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,999,000 | 7,966,000 | 12,009,000 | 16,054,000 |
| Interest expense | 527,000 | 1,076,000 | 1,623,000 | 2,192,000 |
| Net interest income | 3,472,000 | 6,890,000 | 10,386,000 | 13,862,000 |
| Noninterest income | 391,000 | 682,000 | 931,000 | 1,110,000 |
| Noninterest expense | 2,909,000 | 5,856,000 | 8,484,000 | 10,985,000 |
| Provision for loan losses | 100,000 | 448,000 | 583,000 | 620,000 |
| Pretax income | 871,000 | 1,285,000 | 2,267,000 | 3,384,000 |
| Income tax | 303,000 | 446,000 | 783,000 | 1,156,000 |
| Net income | 568,000 | 839,000 | 1,484,000 | 2,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,662,000 | 42,932,000 | 43,577,000 | 44,053,000 |
| Total capital | 46,399,000 | 46,720,000 | 47,326,000 | 47,892,000 |
| Risk-weighted assets | 259,449,000 | 263,974,000 | 264,482,000 | 267,508,000 |