Call reports 2004
SAVINGS BANK OF MENDOCINO COUNTY — 2004
What SAVINGS BANK OF MENDOCINO COUNTY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 651,154,000 | 651,709,000 | 673,739,000 | 682,749,000 |
| Total loans | 295,899,000 | 295,749,000 | 294,619,000 | 309,808,000 |
| Allowance for loan losses | 8,386,000 | 8,461,000 | 8,363,000 | 8,532,000 |
| Securities available for sale | 195,314,000 | 183,872,000 | 194,069,000 | 192,766,000 |
| Securities held to maturity | 127,906,000 | 135,854,000 | 135,999,000 | 138,208,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 552,644,000 | 555,922,000 | 575,655,000 | 584,509,000 |
| Interest-bearing deposits | 485,018,000 | 484,672,000 | 497,608,000 | 504,120,000 |
| Noninterest-bearing deposits | 67,626,000 | 71,250,000 | 78,047,000 | 80,389,000 |
| Equity capital | 96,460,000 | 94,683,000 | 97,300,000 | 97,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 8,949,000 | 17,717,000 | 26,564,000 | 35,631,000 |
| Interest expense | 2,588,000 | 5,073,000 | 7,597,000 | 10,217,000 |
| Net interest income | 6,361,000 | 12,644,000 | 18,967,000 | 25,414,000 |
| Noninterest income | 787,000 | 1,615,000 | 2,428,000 | 3,425,000 |
| Noninterest expense | 3,611,000 | 7,129,000 | 10,620,000 | 15,054,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 3,393,000 | 6,928,000 | 10,425,000 | 13,286,000 |
| Income tax | 991,000 | 2,060,000 | 3,088,000 | 3,853,000 |
| Net income | 2,402,000 | 4,868,000 | 7,337,000 | 9,433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,159,000 | 92,976,000 | 94,794,000 | 96,240,000 |
| Total capital | 97,111,000 | 98,811,000 | 100,719,000 | 102,514,000 |
| Risk-weighted assets | 473,740,000 | 464,208,000 | 471,570,000 | 499,663,000 |
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