Mechanics Bank Annual Report

We maintain the complete database with all recent information about Mechanics Bank that you may need. With the help of the annual report, you can know the financial health of the bank, see how large it is, and track the dynamics and last trends of all financial indicators. All Mechanics Bank data is relevant for December 2024.

4.55

Address

1111 Civic Drive Walnut Creek, CA 94596

FDIC Certificate ID

1768

Bank Charter Class

Federal Reserve Non-member

Financial report Mechanics Bank

Quarterly

Annually

Change dates

June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999
March 31, 1999
December 31, 1998
September 30, 1998
June 30, 1998
March 31, 1998
December 31, 1997
September 30, 1997
June 30, 1997
March 31, 1997
December 31, 1996
September 30, 1996
June 30, 1996
March 31, 1996
December 31, 1995
September 30, 1995
June 30, 1995
March 31, 1995
December 31, 1994
September 30, 1994
June 30, 1994
March 31, 1994
December 31, 1993
September 30, 1993
June 30, 1993
March 31, 1993
December 31, 1992

June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999
March 31, 1999
December 31, 1998
September 30, 1998
June 30, 1998
March 31, 1998
December 31, 1997
September 30, 1997
June 30, 1997
March 31, 1997
December 31, 1996
September 30, 1996
June 30, 1996
March 31, 1996
December 31, 1995
September 30, 1995
June 30, 1995
March 31, 1995
December 31, 1994
September 30, 1994
June 30, 1994
March 31, 1994
December 31, 1993
September 30, 1993
June 30, 1993
March 31, 1993
December 31, 1992

June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999
March 31, 1999
December 31, 1998
September 30, 1998
June 30, 1998
March 31, 1998
December 31, 1997
September 30, 1997
June 30, 1997
March 31, 1997
December 31, 1996
September 30, 1996
June 30, 1996
March 31, 1996
December 31, 1995
September 30, 1995
June 30, 1995
March 31, 1995
December 31, 1994
September 30, 1994
June 30, 1994
March 31, 1994
December 31, 1993
September 30, 1993
June 30, 1993
March 31, 1993
December 31, 1992

June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999
March 31, 1999
December 31, 1998
September 30, 1998
June 30, 1998
March 31, 1998
December 31, 1997
September 30, 1997
June 30, 1997
March 31, 1997
December 31, 1996
September 30, 1996
June 30, 1996
March 31, 1996
December 31, 1995
September 30, 1995
June 30, 1995
March 31, 1995
December 31, 1994
September 30, 1994
June 30, 1994
March 31, 1994
December 31, 1993
September 30, 1993
June 30, 1993
March 31, 1993
December 31, 1992

June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999
March 31, 1999
December 31, 1998
September 30, 1998
June 30, 1998
March 31, 1998
December 31, 1997
September 30, 1997
June 30, 1997
March 31, 1997
December 31, 1996
September 30, 1996
June 30, 1996
March 31, 1996
December 31, 1995
September 30, 1995
June 30, 1995
March 31, 1995
December 31, 1994
September 30, 1994
June 30, 1994
March 31, 1994
December 31, 1993
September 30, 1993
June 30, 1993
March 31, 1993
December 31, 1992

2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999
1998
1997
1996
1995
1994
1993
1992

2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999
1998
1997
1996
1995
1994
1993
1992

2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999
1998
1997
1996
1995
1994
1993
1992

2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999
1998
1997
1996
1995
1994
1993
1992

2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
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1992

Hide dates

All values USD, Dollar figures in thousands

Updated June 30, 2022

Item

2022

2021

2020

2019

2018

Trends

Assets and Liabilities

Total assets

18,616,778

19,422,861

19,127,228

17,204,194

6,032,147

Cash & Balances due from depository institutions

464,223

1,001,298

1,171,767

1,045,447

183,044

Cash items in process of collection

197,460

220,072

292,285

283,747

61,585

Collection in domestic offices

118,845

149,537

217,450

205,668

42,551

Currency and coin in domestic offices

78,615

70,535

74,835

78,079

19,034

Balances due from depository institutions in U.S.

10,141

48,625

195,082

141,709

4,447

Balances due from foreign banks

N/A

Balances due from FRB

256,622

732,601

684,400

619,990

117,012

Total securities *

5,297,298

6,073,275

5,394,605

4,480,659

758,941

U.S. Government securities

5,151,372

5,902,946

5,190,487

4,273,154

575,767

U.S. Treasury securities

25,006

55,282

96,792

611,032

64,169

U.S. Government agency obligations

5,126,366

5,847,664

5,093,695

3,662,122

511,598

Securities issued by states & political subdivisions

64,293

71,740

87,379

120,984

109,427

Other domestic debt securities

66,181

85,963

104,405

73,951

73,747

Privately issued residential mortgage-backed securities

N/A

Asset backed securities

2,005

3,300

10,156

17,660

27,935

Structured financial products - Total

N/A

Other domestic debt securities - All other

64,176

82,663

94,249

56,291

45,812

Foreign debt securities

N/A

Equity securities not held for trading

15,452

12,626

12,334

12,570

N/A

Equity securities available-for-sale

N/A

Credit Loss Allowance for Held to Maturity Debt Securities

N/A

Assets held in trading accounts for TFR Reporters

N/A

General valuation allowances for securities for TFR Reporters

N/A

Federal funds sold and reverse repurchase

N/A

Net loans and leases

11,348,978

10,870,450

10,994,363

10,129,085

4,522,590

Loan and leases loss allowance**

133,276

135,834

129,248

37,315

26,440

Total loans and leases

11,482,254

11,006,284

11,123,611

10,166,400

4,549,030

Unearned income

N/A

Loans and leases, gross

11,482,254

11,006,284

11,123,611

10,166,400

4,549,030

All real estate loans

6,813,551

6,559,699

6,567,600

7,360,524

2,659,408

Real estate loans in domestic offices

6,813,551

6,559,699

6,567,600

7,360,524

2,659,408

Construction and development loans

78,984

65,386

93,265

183,290

137,364

Residential 1-4 family construction

9,853

172

10,630

8,418

28,083

Other construction, all land development and other land

69,131

65,214

82,635

174,872

109,281

Secured by nonfarm nonresidential properties

2,438,110

2,674,665

3,264,689

3,827,743

1,011,792

Nonfarm nonresidential secured by owner-occupied properties

411,569

464,190

528,745

623,539

189,750

Commercial real estate other non-farm non-residential

2,026,541

2,210,475

2,735,944

3,204,204

822,042

Multifamily residential real estate

2,035,099

1,783,289

1,247,690

1,137,750

847,178

1-4 family residential loans

2,247,808

2,019,717

1,931,191

2,168,653

648,408

Farmland loans

13,550

16,642

30,765

43,088

14,666

Loans held in foreign offices

N/A

Farm loans

3,531

4,311

8,626

17,156

1,168

Commercial and industrial loans

500,037

597,008

1,624,783

571,277

418,532

Loans to individuals

4,104,990

3,783,157

2,856,792

2,148,811

1,420,665

Credit card loans

N/A

Related Plans

4,372

3,438

4,643

9,032

8,661

Consumer Loans - Auto

3,897,887

3,540,071

2,624,827

1,915,537

1,267,496

Other loans to individuals

202,731

239,648

227,322

224,242

144,508

All other loans & leases*

60,145

62,109

65,810

68,631

49,257

Loans to foreign governments and official institutions

N/A

Obligations of states and political subdivisions in U.S.

18,140

17,582

20,197

22,252

8,712

Other loans

42,005

44,527

45,613

46,313

39,881

Lease financing receivables

N/A

664

Loans to depository institutions and acceptances of other banks

N/A

Trading account assets

17,256

36,249

81,410

41,341

N/A

Bank premises and fixed assets

172,008

166,284

204,189

230,170

59,243

Other real estate owned

N/A

431

14,486

2,889

2,685

Direct and indirect investments in real estate

N/A

OREO: Real estate acquired

N/A

431

14,486

2,889

2,685

Other real estate owned: 1-4 family residential

N/A

1,796

1,575

Other Real Estate Owned: Multi-family residential

N/A

Other real estate owned: Commercial real estate

N/A

13,533

N/A

Other real estate owned:Construction & development

N/A

431

953

1,093

1,110

Other real estate owned: Farmland

N/A

Foreclosed properties from GNMA loans before June 2018

N/A

Other real estate owned in foreign offices

N/A

Goodwill and other intangibles

922,928

934,080

959,080

993,252

378,701

Goodwill

843,305

847,248

331,146

Mortgage servicing assets

N/A

155

N/A

All other assets

394,087

340,794

307,328

281,351

126,943

Liabilities and Capital

Total liabilities and capital

18,616,778

19,422,861

19,127,228

17,204,194

6,032,147

Total Liabilities

16,383,281

17,035,084

16,677,813

14,906,233

5,179,264

Total deposits

16,147,421

16,766,624

16,346,608

14,593,878

4,694,831

Deposits held in domestic offices

16,147,421

16,766,624

16,346,608

14,593,878

4,694,831

Individuals, partnerships, and corporations

15,249,915

15,813,776

15,575,809

13,951,825

4,448,410

U.S. Government

N/A

States and political subdivisions in the U.S.

893,281

947,630

767,076

638,327

246,420

Commercial banks and other depository institutions in U.S.

4,223

5,199

3,719

3,726

N/A

Banks in foreign countries

N/A

Foreign governments and official institutions

N/A

Deposits held in foreign offices

N/A

Deposits held in domestic offices

16,147,421

16,766,624

16,346,608

14,593,878

4,694,831

Transaction accounts

940,310

1,194,619

1,236,187

1,921,303

234,506

Nontransaction accounts

15,207,111

15,572,005

15,110,421

12,672,575

4,460,324

Money market deposit accounts (MMDAs)

12,529,476

12,902,962

12,473,136

5,922,423

3,470,035

Other savings deposits (excluding MMDAs)

1,842,117

1,765,228

1,473,129

5,111,682

496,110

Total time deposits

835,518

903,815

1,164,156

1,638,471

494,177

Federal funds purchased and repurchase agreements

N/A

3,310

24,622

20,654

Trading liabilities

11,826

29,305

71,282

27,708

N/A

N/A - idobrmtg

N/A

64,271

365,000

Subordinated debt

24,906

24,886

24,846

24,807

24,767

All other liabilities

199,128

214,269

231,767

170,947

74,012

Total equity capital

2,233,497

2,387,777

2,449,415

2,297,961

852,883

Bank equity capital

2,233,497

2,387,777

2,449,415

2,297,961

852,883

Perpetual preferred stock

N/A

Common stock

3,211

1,377

Surplus

2,118,336

733,629

Undivided profits

111,950

266,230

327,868

176,414

117,877

Equity, minor interest in consolidated subs

N/A

Memoranda

Noncurrent loans and leases

44,510

65,466

38,533

87,083

6,467

Income earned, not collected on loans

45,474

44,143

48,392

43,484

18,710

Earning assets

16,889,318

17,707,697

17,150,123

15,257,999

5,399,908

Long-term assets (5+ years)

10,680,038

10,614,898

8,522,258

7,034,493

2,490,828

Average total assets

18,979,948.67

19,072,072

18,156,364.6

10,576,097.4

5,896,714.6

Average assets, quarterly

18,758,492.5

19,237,665

18,833,282.5

17,251,767.5

6,018,242.5

Total risk weighted assets adjusted

11,711,826

11,438,594

10,677,126

10,439,219

4,667,840

Adjusted average assets for leverage capital purposes

18,000,474

18,223,411

17,732,764

16,076,568

5,701,413

Life insurance assets

100,794

99,987

97,702

95,573

58,380

General account life insurance assets

87,901

86,939

84,872

85,555

48,757

Separate account life insurance assets

4,652

4,858

4,749

2,050

1,773

Hybrid life insurance assets

8,241

8,190

8,081

7,968

7,850

Volatile liabilities

227,710

250,072

358,356

588,296

563,520

Insider loans

297

N/A

FHLB advances

N/A

365,000

Loans and leases held for sale

N/A

508

347

1,768

348,004

Unused loan commitments

1,004,930

945,870

1,052,821

1,257,326

775,563

Tier one (core) capital

1,516,291

1,478,173

1,458,662

1,357,709

499,464

Tier 2 Risk-based capital

149,804

156,049

158,327

69,406

53,747

Total unused commitments

1,004,930

945,870

1,052,821

1,257,326

775,563

Derivatives

1,370,157

1,701,684

2,179,322

2,451,051

N/A