Call reports 2009
SAVINGS BANK OF MENDOCINO COUNTY — 2009
What SAVINGS BANK OF MENDOCINO COUNTY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 747,277,000 | 753,446,000 | 765,786,000 | 766,331,000 |
| Total loans | 367,504,000 | 366,646,000 | 361,025,000 | 362,584,000 |
| Allowance for loan losses | 8,106,000 | 10,000,000 | 9,791,000 | 10,705,000 |
| Securities available for sale | 208,546,000 | 225,059,000 | 247,056,000 | 232,822,000 |
| Securities held to maturity | 117,575,000 | 112,649,000 | 108,395,000 | 101,877,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 641,873,000 | 640,731,000 | 648,470,000 | 648,622,000 |
| Interest-bearing deposits | 562,612,000 | 563,346,000 | 566,322,000 | 564,284,000 |
| Noninterest-bearing deposits | 79,261,000 | 77,385,000 | 82,148,000 | 84,338,000 |
| Equity capital | 103,717,000 | 110,710,000 | 115,620,000 | 116,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 10,201,000 | 20,406,000 | 30,437,000 | 40,178,000 |
| Interest expense | 3,052,000 | 5,826,000 | 8,466,000 | 10,893,000 |
| Net interest income | 7,149,000 | 14,580,000 | 21,971,000 | 29,285,000 |
| Noninterest income | 875,000 | 1,736,000 | 2,659,000 | 3,511,000 |
| Noninterest expense | 4,599,000 | 9,437,000 | 14,122,000 | 18,884,000 |
| Provision for loan losses | 1,100,000 | 2,800,000 | 3,400,000 | 5,000,000 |
| Pretax income | 2,325,000 | 4,391,000 | 7,224,000 | 10,400,000 |
| Income tax | 560,000 | 1,020,000 | 1,807,000 | 2,748,000 |
| Net income | 1,765,000 | 3,371,000 | 5,417,000 | 7,652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 109,039,000 | 109,980,000 | 111,361,000 | 112,932,000 |
| Total capital | 116,589,000 | 117,620,000 | 118,452,000 | 119,951,000 |
| Risk-weighted assets | 603,485,000 | 608,856,000 | 564,606,000 | 557,798,000 |
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