Call reports 2007
SAVINGS BANK OF MENDOCINO COUNTY — 2007
What SAVINGS BANK OF MENDOCINO COUNTY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 721,578,000 | 722,166,000 | 724,502,000 | 724,774,000 |
| Total loans | 392,626,000 | 390,837,000 | 393,491,000 | 393,211,000 |
| Allowance for loan losses | 8,728,000 | 8,886,000 | 8,867,000 | 8,926,000 |
| Securities available for sale | 129,677,000 | 128,923,000 | 136,126,000 | 150,854,000 |
| Securities held to maturity | 142,230,000 | 140,093,000 | 141,178,000 | 137,776,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 610,550,000 | 610,321,000 | 610,593,000 | 609,182,000 |
| Interest-bearing deposits | 523,419,000 | 526,378,000 | 524,775,000 | 528,474,000 |
| Noninterest-bearing deposits | 87,131,000 | 83,943,000 | 85,818,000 | 80,708,000 |
| Equity capital | 109,196,000 | 110,516,000 | 112,492,000 | 114,197,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 10,596,000 | 21,317,000 | 32,155,000 | 42,923,000 |
| Interest expense | 4,238,000 | 8,609,000 | 13,089,000 | 17,653,000 |
| Net interest income | 6,358,000 | 12,708,000 | 19,066,000 | 25,270,000 |
| Noninterest income | 811,000 | 1,629,000 | 2,468,000 | 3,355,000 |
| Noninterest expense | 4,049,000 | 7,909,000 | 11,878,000 | 16,325,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 3,015,000 | 6,218,000 | 9,333,000 | 11,871,000 |
| Income tax | 821,000 | 1,714,000 | 2,571,000 | 3,171,000 |
| Net income | 2,194,000 | 4,504,000 | 6,762,000 | 8,700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 108,797,000 | 110,468,000 | 112,085,000 | 113,384,000 |
| Total capital | 115,391,000 | 117,024,000 | 119,227,000 | 120,292,000 |
| Risk-weighted assets | 525,409,000 | 522,187,000 | 569,671,000 | 550,495,000 |
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