Company: MCHB
Filing Date: 2025-07-03
Form Type: S-4
Source: 0001140361-25-024872
Chunk: 338

Company: Mechanics Bancorp
Filing Date: 2025-07-03
Form: S-4
Chunk 338
---
 Cash and cash equivalents at beginning of period                      |     |         1,457,569 |     |           331,627 |     |         1,001,298 |
| Cash and cash equivalents at end of period                            |     |          $999,711 |     |        $1,457,569 |     |          $331,627 |
| SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION                     |     |                   |     |                   |     |                   |
| Cash paid during the period for:                                      |     |                   |     |                   |     |                   |
| Interest paid                                                         |     |          $217,388 |     |          $150,514 |     |           $19,618 |
| Income taxes paid, net of refunds                                     |     |             3,555 |     |            58,456 |     |            77,256 |
| Non-cash disclosures:                                                 |     |                   |     |                   |     |                   |
| Transfers from available-for-sale to held-to-maturity                 |     |                 — |     |                 — |     |         1,773,462 |
| Transfer from loans to other real estate owned                        |     |             2,282 |     |            17,011 |     |                 — |
| Retained earnings impact from CECL adoption                           |     |                 — |     |            41,976 |     |                 — |
| Lease liabilities arising from obtaining right-of-use assets          |     |           -12,392 |     |           -31,481 |     |           -27,263 |

F-9

#### TABLE OF CONTENTS

### MECHANICS BANK

### NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
**NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES**

Nature of Operations: Mechanics Bank (MB) and subsidiaries (the Bank, we, us and our) is headquartered in Walnut Creek, California. The Bank offers a variety of financial services to meet the banking and financial needs of the communities we serve, with operations conducted through 112 banking branches, including locations in Greater San Francisco, Sacramento, Los Angeles and San Diego areas and throughout the Central Valley in California. MacDonald Auxiliary Corporation and Mechanics Real Estate Holdings Inc., Limited Liability Company are wholly-owned subsidiary corporations whose business purposes are lending, holding deeds of trust securing loans made by the Bank and its subsidiaries and holding real estate and other assets acquired through foreclosure