Call reports 2019
MECHANICS BANK — 2019
What MECHANICS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 539,663,000 | 551,073,000 | 554,766,000 | 562,888,000 |
| Total loans | 441,811,000 | 452,330,000 | 457,678,000 | 464,249,000 |
| Allowance for loan losses | 4,598,000 | 4,654,000 | 4,660,000 | 4,664,000 |
| Securities available for sale | 48,401,000 | 48,858,000 | 49,495,000 | 49,450,000 |
| Securities held to maturity | 2,721,000 | 2,717,000 | 2,711,000 | 2,706,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 486,607,000 | 492,152,000 | 492,914,000 | 510,165,000 |
| Interest-bearing deposits | 456,386,000 | 460,207,000 | 460,228,000 | 470,079,000 |
| Noninterest-bearing deposits | 30,221,000 | 31,945,000 | 32,686,000 | 40,086,000 |
| Equity capital | 43,197,000 | 44,556,000 | 45,493,000 | 46,202,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,012,000 | 10,272,000 | 15,496,000 | 20,696,000 |
| Interest expense | 604,000 | 1,306,000 | 2,062,000 | 2,830,000 |
| Net interest income | 4,408,000 | 8,966,000 | 13,434,000 | 17,866,000 |
| Noninterest income | 988,000 | 2,008,000 | 2,959,000 | 3,984,000 |
| Noninterest expense | 4,035,000 | 8,094,000 | 12,043,000 | 16,238,000 |
| Provision for loan losses | 48,000 | 102,000 | 142,000 | 165,000 |
| Pretax income | 1,325,000 | 2,790,000 | 4,244,000 | 5,485,000 |
| Income tax | 256,000 | 554,000 | 845,000 | 1,099,000 |
| Net income | 1,069,000 | 2,236,000 | 3,399,000 | 4,386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,829,000 | 44,716,000 | 45,599,000 | 46,281,000 |
| Total capital | 47,442,000 | 48,440,000 | 49,330,000 | 50,057,000 |
| Risk-weighted assets | 288,084,000 | 297,062,000 | 297,585,000 | 301,230,000 |