Call reports 2013
MECHANICS BANK — 2013
What MECHANICS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 394,381,000 | 399,247,000 | 405,505,000 | 407,261,000 |
| Total loans | 286,604,000 | 295,558,000 | 301,916,000 | 308,264,000 |
| Allowance for loan losses | 3,523,000 | 3,652,000 | 3,668,000 | 3,690,000 |
| Securities available for sale | 47,220,000 | 45,618,000 | 56,245,000 | 50,661,000 |
| Securities held to maturity | 0 | 0 | 0 | 358,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 349,351,000 | 356,329,000 | 360,031,000 | 362,414,000 |
| Interest-bearing deposits | 332,296,000 | 338,134,000 | 339,698,000 | 343,503,000 |
| Noninterest-bearing deposits | 17,055,000 | 18,195,000 | 20,333,000 | 18,911,000 |
| Equity capital | 38,816,000 | 37,765,000 | 38,156,000 | 38,044,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,438,000 | 6,906,000 | 10,388,000 | 13,853,000 |
| Interest expense | 292,000 | 568,000 | 839,000 | 1,104,000 |
| Net interest income | 3,146,000 | 6,338,000 | 9,549,000 | 12,749,000 |
| Noninterest income | 588,000 | 1,247,000 | 1,964,000 | 2,651,000 |
| Noninterest expense | 3,039,000 | 5,850,000 | 8,740,000 | 11,933,000 |
| Provision for loan losses | 176,000 | 352,000 | 456,000 | 571,000 |
| Pretax income | 519,000 | 1,530,000 | 2,464,000 | 3,046,000 |
| Income tax | 176,000 | 518,000 | 831,000 | 1,027,000 |
| Net income | 343,000 | 1,012,000 | 1,633,000 | 2,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,330,000 | 38,744,000 | 39,109,000 | 39,241,000 |
| Total capital | 40,762,000 | 41,202,000 | 41,634,000 | 41,842,000 |
| Risk-weighted assets | 193,469,000 | 195,454,000 | 200,849,000 | 207,028,000 |