Call reports 2006
SAVINGS BANK OF MENDOCINO COUNTY — 2006
What SAVINGS BANK OF MENDOCINO COUNTY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 732,863,000 | 724,773,000 | 721,779,000 | 723,613,000 |
| Total loans | 346,480,000 | 375,836,000 | 385,227,000 | 395,101,000 |
| Allowance for loan losses | 8,357,000 | 8,550,000 | 8,673,000 | 8,731,000 |
| Securities available for sale | 191,029,000 | 163,179,000 | 135,900,000 | 135,690,000 |
| Securities held to maturity | 153,622,000 | 151,992,000 | 149,637,000 | 144,835,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 628,683,000 | 614,928,000 | 614,442,000 | 614,807,000 |
| Interest-bearing deposits | 543,334,000 | 530,758,000 | 525,412,000 | 523,392,000 |
| Noninterest-bearing deposits | 85,349,000 | 84,170,000 | 89,030,000 | 91,415,000 |
| Equity capital | 102,160,000 | 102,951,000 | 106,045,000 | 107,420,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 10,270,000 | 20,611,000 | 31,207,000 | 41,857,000 |
| Interest expense | 3,557,000 | 7,437,000 | 11,605,000 | 15,844,000 |
| Net interest income | 6,713,000 | 13,174,000 | 19,602,000 | 26,013,000 |
| Noninterest income | 802,000 | 1,657,000 | 2,499,000 | 3,317,000 |
| Noninterest expense | 3,923,000 | 7,764,000 | 11,662,000 | 16,100,000 |
| Provision for loan losses | 225,000 | 450,000 | 600,000 | 750,000 |
| Pretax income | 3,367,000 | 6,672,000 | 9,724,000 | 12,365,000 |
| Income tax | 948,000 | 1,881,000 | 2,719,000 | 3,358,000 |
| Net income | 2,419,000 | 4,791,000 | 7,005,000 | 9,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 102,599,000 | 104,358,000 | 105,957,000 | 107,343,000 |
| Total capital | 109,453,000 | 111,245,000 | 112,600,000 | 114,070,000 |
| Risk-weighted assets | 546,697,000 | 549,308,000 | 529,421,000 | 536,194,000 |
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