Call reports 2010
MECHANICS BANK — 2010
What MECHANICS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 355,434,000 | 363,122,000 | 357,130,000 | 360,558,000 |
| Total loans | 281,005,000 | 282,043,000 | 279,390,000 | 277,501,000 |
| Allowance for loan losses | 2,660,000 | 2,700,000 | 2,840,000 | 3,027,000 |
| Securities available for sale | 28,691,000 | 29,313,000 | 24,981,000 | 30,972,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 316,644,000 | 323,420,000 | 316,995,000 | 323,569,000 |
| Interest-bearing deposits | 302,903,000 | 308,381,000 | 302,426,000 | 309,936,000 |
| Noninterest-bearing deposits | 13,741,000 | 15,039,000 | 14,569,000 | 13,633,000 |
| Equity capital | 33,689,000 | 34,763,000 | 35,370,000 | 35,327,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,103,000 | 8,224,000 | 12,327,000 | 16,326,000 |
| Interest expense | 890,000 | 1,708,000 | 2,461,000 | 3,139,000 |
| Net interest income | 3,213,000 | 6,516,000 | 9,866,000 | 13,187,000 |
| Noninterest income | 528,000 | 1,061,000 | 1,586,000 | 2,138,000 |
| Noninterest expense | 2,696,000 | 5,376,000 | 8,213,000 | 11,141,000 |
| Provision for loan losses | 152,000 | 311,000 | 615,000 | 848,000 |
| Pretax income | 893,000 | 1,890,000 | 2,624,000 | 3,336,000 |
| Income tax | 302,000 | 640,000 | 888,000 | 1,128,000 |
| Net income | 591,000 | 1,250,000 | 1,736,000 | 2,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,611,000 | 34,270,000 | 34,757,000 | 35,229,000 |
| Total capital | 35,790,000 | 36,588,000 | 37,048,000 | 37,457,000 |
| Risk-weighted assets | 184,140,000 | 185,366,000 | 183,014,000 | 180,489,000 |