Call reports 2009
MECHANICS BANK — 2009
What MECHANICS 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 | 335,096,000 | 342,333,000 | 342,947,000 | 350,943,000 |
| Total loans | 277,413,000 | 279,248,000 | 281,886,000 | 281,828,000 |
| Allowance for loan losses | 2,413,000 | 2,411,000 | 2,682,000 | 2,696,000 |
| Securities available for sale | 19,581,000 | 22,042,000 | 20,146,000 | 24,372,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,953,000 | 303,776,000 | 304,095,000 | 312,000,000 |
| Interest-bearing deposits | 285,270,000 | 289,451,000 | 290,959,000 | 299,190,000 |
| Noninterest-bearing deposits | 11,683,000 | 14,325,000 | 13,136,000 | 12,810,000 |
| Equity capital | 32,086,000 | 32,364,000 | 32,736,000 | 32,945,000 |
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 | 4,270,000 | 8,416,000 | 12,562,000 | 16,726,000 |
| Interest expense | 1,312,000 | 2,504,000 | 3,591,000 | 4,554,000 |
| Net interest income | 2,958,000 | 5,912,000 | 8,971,000 | 12,172,000 |
| Noninterest income | 430,000 | 894,000 | 1,384,000 | 1,927,000 |
| Noninterest expense | 2,458,000 | 5,252,000 | 7,978,000 | 10,890,000 |
| Provision for loan losses | 84,000 | 190,000 | 598,000 | 753,000 |
| Pretax income | 846,000 | 1,364,000 | 1,779,000 | 2,456,000 |
| Income tax | 284,000 | 457,000 | 594,000 | 822,000 |
| Net income | 562,000 | 907,000 | 1,185,000 | 1,634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,950,000 | 32,293,000 | 32,571,000 | 33,020,000 |
| Total capital | 34,195,000 | 34,555,000 | 34,822,000 | 35,334,000 |
| Risk-weighted assets | 179,486,000 | 180,823,000 | 181,827,000 | 184,884,000 |