Call reports 2005
SAVINGS BANK OF MENDOCINO COUNTY — 2005
What SAVINGS BANK OF MENDOCINO COUNTY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 673,456,000 | 711,318,000 | 731,882,000 | 740,608,000 |
| Total loans | 313,041,000 | 321,656,000 | 323,042,000 | 337,250,000 |
| Allowance for loan losses | 8,688,000 | 7,869,000 | 7,919,000 | 8,143,000 |
| Securities available for sale | 180,796,000 | 175,469,000 | 198,380,000 | 196,128,000 |
| Securities held to maturity | 138,675,000 | 142,951,000 | 149,413,000 | 155,184,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 574,077,000 | 609,673,000 | 629,654,000 | 638,181,000 |
| Interest-bearing deposits | 498,915,000 | 530,868,000 | 543,684,000 | 544,219,000 |
| Noninterest-bearing deposits | 75,162,000 | 78,805,000 | 85,970,000 | 93,962,000 |
| Equity capital | 97,511,000 | 99,926,000 | 100,681,000 | 101,071,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 9,277,000 | 18,613,000 | 28,468,000 | 38,616,000 |
| Interest expense | 2,662,000 | 5,488,000 | 8,751,000 | 12,197,000 |
| Net interest income | 6,615,000 | 13,125,000 | 19,717,000 | 26,419,000 |
| Noninterest income | 751,000 | 1,535,000 | 2,355,000 | 3,119,000 |
| Noninterest expense | 3,644,000 | 7,501,000 | 11,365,000 | 15,978,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 3,558,000 | 6,844,000 | 10,242,000 | 12,946,000 |
| Income tax | 1,061,000 | 1,991,000 | 2,963,000 | 3,636,000 |
| Net income | 2,497,000 | 4,853,000 | 7,279,000 | 9,310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,962,000 | 97,618,000 | 99,455,000 | 100,896,000 |
| Total capital | 104,076,000 | 104,028,000 | 106,079,000 | 107,700,000 |
| Risk-weighted assets | 486,562,000 | 511,386,000 | 530,889,000 | 542,768,000 |
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