Call reports 2025
MECHANICS BANK — 2025
What MECHANICS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 817,912,000 | 820,927,000 | 846,666,000 | 872,515,000 |
| Total loans | 663,971,000 | 678,953,000 | 692,617,000 | 709,757,000 |
| Allowance for loan losses | 6,649,000 | 6,715,000 | 6,797,000 | 6,969,000 |
| Securities available for sale | 81,318,000 | 78,990,000 | 76,161,000 | 73,878,000 |
| Securities held to maturity | 9,629,000 | 9,628,000 | 9,626,000 | 9,625,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 749,164,000 | 751,568,000 | 756,384,000 | 766,142,000 |
| Interest-bearing deposits | 695,410,000 | 693,826,000 | 696,017,000 | 712,253,000 |
| Noninterest-bearing deposits | 53,754,000 | 57,742,000 | 60,367,000 | 53,889,000 |
| Equity capital | 64,849,000 | 65,664,000 | 66,915,000 | 68,934,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 8,272,000 | 16,830,000 | 25,820,000 | 35,103,000 |
| Interest expense | 2,426,000 | 4,770,000 | 7,280,000 | 9,875,000 |
| Net interest income | 5,846,000 | 12,060,000 | 18,540,000 | 25,228,000 |
| Noninterest income | 1,627,000 | 3,334,000 | 5,019,000 | 7,204,000 |
| Noninterest expense | 6,059,000 | 12,170,000 | 18,577,000 | 25,200,000 |
| Provision for loan losses | 87,000 | 157,000 | 239,000 | 411,000 |
| Pretax income | 1,340,000 | 3,088,000 | 4,760,000 | 6,858,000 |
| Income tax | 252,000 | 588,000 | 907,000 | 1,228,000 |
| Net income | 1,088,000 | 2,500,000 | 3,853,000 | 5,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,526,000 | 71,685,000 | 72,270,000 | 73,678,000 |
| Total capital | 77,245,000 | 77,520,000 | 78,236,000 | 79,805,000 |
| Risk-weighted assets | 456,529,000 | 465,800,000 | 476,345,000 | 489,283,000 |