Call reports 2001
MECHANICS BANK — 2001
What MECHANICS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 283,628,000 | 288,246,000 | 287,948,000 | 293,544,000 |
| Total loans | 227,908,000 | 232,804,000 | 238,317,000 | 238,590,000 |
| Allowance for loan losses | 1,312,000 | 1,342,000 | 1,383,000 | 1,428,000 |
| Securities available for sale | 21,290,000 | 18,298,000 | 16,526,000 | 15,349,000 |
| Securities held to maturity | 3,964,000 | 5,189,000 | 5,732,000 | 6,218,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,356,000 | 266,484,000 | 265,801,000 | 271,088,000 |
| Interest-bearing deposits | 254,607,000 | 257,735,000 | 256,729,000 | 262,222,000 |
| Noninterest-bearing deposits | 7,749,000 | 8,749,000 | 9,072,000 | 8,866,000 |
| Equity capital | 20,748,000 | 21,285,000 | 21,591,000 | 21,652,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 5,067,000 | 10,065,000 | 15,058,000 | 19,896,000 |
| Interest expense | 2,721,000 | 5,364,000 | 7,928,000 | 10,174,000 |
| Net interest income | 2,346,000 | 4,701,000 | 7,130,000 | 9,722,000 |
| Noninterest income | 153,000 | 316,000 | 505,000 | 675,000 |
| Noninterest expense | 1,577,000 | 3,252,000 | 4,753,000 | 6,525,000 |
| Provision for loan losses | 37,000 | 80,000 | 119,000 | 192,000 |
| Pretax income | 885,000 | 1,685,000 | 2,763,000 | 3,680,000 |
| Income tax | 291,000 | 548,000 | 900,000 | 1,195,000 |
| Net income | 594,000 | 1,137,000 | 1,863,000 | 2,485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,560,000 | 21,103,000 | 21,330,000 | 21,451,000 |
| Total capital | 21,872,000 | 22,445,000 | 22,713,000 | 22,879,000 |
| Risk-weighted assets | 154,593,000 | 155,444,000 | 157,571,000 | 159,333,000 |