Call reports 2005
MECHANICS BANK — 2005
What MECHANICS 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 | 301,695,000 | 303,825,000 | 298,608,000 | 302,158,000 |
| Total loans | 236,115,000 | 240,012,000 | 244,564,000 | 243,478,000 |
| Allowance for loan losses | 2,019,000 | 2,002,000 | 1,990,000 | 2,044,000 |
| Securities available for sale | 6,912,000 | 8,342,000 | 7,881,000 | 11,901,000 |
| Securities held to maturity | 14,748,000 | 14,723,000 | 14,638,000 | 11,455,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,522,000 | 276,508,000 | 271,129,000 | 274,154,000 |
| Interest-bearing deposits | 264,642,000 | 264,546,000 | 260,216,000 | 262,031,000 |
| Noninterest-bearing deposits | 10,880,000 | 11,962,000 | 10,913,000 | 12,123,000 |
| Equity capital | 25,705,000 | 26,307,000 | 26,431,000 | 26,698,000 |
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 | 3,743,000 | 7,580,000 | 11,509,000 | 15,500,000 |
| Interest expense | 846,000 | 1,749,000 | 2,702,000 | 3,740,000 |
| Net interest income | 2,897,000 | 5,831,000 | 8,807,000 | 11,760,000 |
| Noninterest income | 319,000 | 640,000 | 1,040,000 | 1,410,000 |
| Noninterest expense | 1,808,000 | 3,827,000 | 5,939,000 | 8,027,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,348,000 | 2,524,000 | 3,728,000 | 4,903,000 |
| Income tax | 443,000 | 795,000 | 1,174,000 | 1,544,000 |
| Net income | 905,000 | 1,729,000 | 2,554,000 | 3,359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,792,000 | 26,367,000 | 26,512,000 | 26,769,000 |
| Total capital | 27,811,000 | 28,369,000 | 28,502,000 | 28,813,000 |
| Risk-weighted assets | 164,146,000 | 167,651,000 | 168,876,000 | 169,770,000 |