Call reports 2015
MECHANICS BANK — 2015
What MECHANICS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 431,202,000 | 432,938,000 | 435,462,000 | 452,400,000 |
| Total loans | 352,046,000 | 361,088,000 | 368,393,000 | 374,637,000 |
| Allowance for loan losses | 3,846,000 | 3,895,000 | 3,950,000 | 3,911,000 |
| Securities available for sale | 35,049,000 | 36,617,000 | 35,660,000 | 35,726,000 |
| Securities held to maturity | 451,000 | 449,000 | 447,000 | 1,085,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,908,000 | 385,367,000 | 385,630,000 | 404,217,000 |
| Interest-bearing deposits | 362,080,000 | 362,061,000 | 360,325,000 | 377,315,000 |
| Noninterest-bearing deposits | 21,828,000 | 23,306,000 | 25,305,000 | 26,902,000 |
| Equity capital | 39,745,000 | 39,838,000 | 40,493,000 | 40,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,743,000 | 7,545,000 | 11,486,000 | 15,462,000 |
| Interest expense | 225,000 | 459,000 | 703,000 | 956,000 |
| Net interest income | 3,518,000 | 7,086,000 | 10,783,000 | 14,506,000 |
| Noninterest income | 786,000 | 1,587,000 | 2,429,000 | 3,220,000 |
| Noninterest expense | 3,480,000 | 6,898,000 | 10,269,000 | 13,919,000 |
| Provision for loan losses | 147,000 | 277,000 | 382,000 | 507,000 |
| Pretax income | 677,000 | 1,498,000 | 2,561,000 | 3,300,000 |
| Income tax | 226,000 | 501,000 | 858,000 | 1,111,000 |
| Net income | 451,000 | 997,000 | 1,703,000 | 2,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,851,000 | 40,122,000 | 40,555,000 | 40,766,000 |
| Total capital | 42,948,000 | 43,340,000 | 43,796,000 | 44,121,000 |
| Risk-weighted assets | 247,090,000 | 256,812,000 | 258,639,000 | 267,895,000 |