Call reports 2012
MECHANICS BANK — 2012
What MECHANICS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 379,200,000 | 380,173,000 | 379,494,000 | 385,543,000 |
| Total loans | 278,594,000 | 278,538,000 | 278,290,000 | 282,325,000 |
| Allowance for loan losses | 3,394,000 | 3,321,000 | 3,407,000 | 3,520,000 |
| Securities available for sale | 36,647,000 | 36,510,000 | 37,940,000 | 41,403,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,269,000 | 340,169,000 | 338,868,000 | 344,324,000 |
| Interest-bearing deposits | 325,398,000 | 324,805,000 | 321,350,000 | 326,664,000 |
| Noninterest-bearing deposits | 13,871,000 | 15,364,000 | 17,518,000 | 17,660,000 |
| Equity capital | 38,553,000 | 38,539,000 | 38,813,000 | 38,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,721,000 | 7,346,000 | 10,973,000 | 14,547,000 |
| Interest expense | 366,000 | 713,000 | 1,054,000 | 1,383,000 |
| Net interest income | 3,355,000 | 6,633,000 | 9,919,000 | 13,164,000 |
| Noninterest income | 560,000 | 1,196,000 | 1,793,000 | 2,393,000 |
| Noninterest expense | 2,882,000 | 5,871,000 | 8,862,000 | 12,025,000 |
| Provision for loan losses | 309,000 | 542,000 | 778,000 | 952,000 |
| Pretax income | 724,000 | 1,416,000 | 2,415,000 | 3,030,000 |
| Income tax | 257,000 | 501,000 | 848,000 | 1,058,000 |
| Net income | 467,000 | 915,000 | 1,567,000 | 1,972,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,953,000 | 37,701,000 | 38,095,000 | 38,244,000 |
| Total capital | 40,181,000 | 39,955,000 | 40,351,000 | 40,628,000 |
| Risk-weighted assets | 177,100,000 | 179,255,000 | 179,343,000 | 189,556,000 |