Company: MCHB
Filing Date: 2025-04-15
Form Type: ARS
Source: 0001518715-25-000069
Chunk: 32

Company: Mechanics Bancorp
Filing Date: 2025-04-15
Form: ARS
Chunk 32
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1,551,969 $ 1,274,050 $ 89,453 $ 357,308 $ 8,123,698 Interest-bearing liabilities Demand deposit accounts (2) $ 323,112 $ — $ — $ — $ — $ — $ — $ — $ 323,112 Savings accounts (2) 229,659 — — — — — — — 229,659 Money market accounts (2) 1,396,697 — — — — — — — 1,396,697 Certificates of deposit 1,573,626 1,061,767 521,900 107,826 2,653 — — — 3,267,772 FHLB advances — — 450,000 550,000 — — — — 1,000,000 Long-term debt (3) 60,397 — — 164,734 — — — — 225,131 Total 3,583,491 1,061,767 971,900 822,560 2,653 — — — 6,442,371 Noninterest-bearing liabilities — — — — — — — 1,284,330 1,284,330 Shareholders' Equity — — — — — — — 396,997 396,997 Total liabilities and shareholders’ equity $ 3,583,491 $ 1,061,767 $ 971,900 $ 822,560 $ 2,653 $ — $ — $ 1,681,327 $ 8,123,698 Interest sensitivity gap $ (1,704,504) $ (553,686) $ (326,451) $ 995,841 $ 1,549,316 $ 1,274,050 $ 89,453 Cumulative interest rate sensitivity gap Total $ (1,704,504) $ (2,258,190) $ (2,584,641) $ (1,588,800) $ (39,484) $ 1,234,566 $ 1,324,019 As a % of total assets (21) % (28) % (32) % (20) % — % 15 % 16 % As a % of cumulative interest- bearing liabilities 52 % 51 % 54 % 75 % 99 % 119 % 121 % (1) Based on contractual maturities, repricing dates and forecasted principal payments assuming normal amortization and, where