Call reports 2010
SAVINGS BANK OF MENDOCINO COUNTY — 2010
What SAVINGS BANK OF MENDOCINO COUNTY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 759,847,000 | 755,768,000 | 894,432,000 | 885,019,000 |
| Total loans | 357,989,000 | 355,056,000 | 400,780,000 | 397,323,000 |
| Allowance for loan losses | 11,025,000 | 13,150,000 | 14,175,000 | 15,680,000 |
| Securities available for sale | 248,676,000 | 267,195,000 | 313,156,000 | 334,880,000 |
| Securities held to maturity | 95,242,000 | 87,812,000 | 95,979,000 | 88,911,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 639,956,000 | 635,051,000 | 748,956,000 | 742,410,000 |
| Interest-bearing deposits | 562,713,000 | 552,494,000 | 641,599,000 | 640,024,000 |
| Noninterest-bearing deposits | 77,243,000 | 82,557,000 | 107,357,000 | 102,386,000 |
| Equity capital | 118,471,000 | 118,796,000 | 142,540,000 | 139,599,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 9,505,000 | 18,863,000 | 32,349,000 | 42,268,000 |
| Interest expense | 2,122,000 | 4,097,000 | 6,905,000 | 8,785,000 |
| Net interest income | 7,383,000 | 14,766,000 | 25,444,000 | 33,483,000 |
| Noninterest income | 941,000 | 1,465,000 | 1,491,000 | 2,698,000 |
| Noninterest expense | 4,788,000 | 10,001,000 | 17,017,000 | 23,235,000 |
| Provision for loan losses | 600,000 | 4,644,000 | 5,244,000 | 6,344,000 |
| Pretax income | 2,936,000 | 2,713,000 | 5,919,000 | 7,851,000 |
| Income tax | 879,000 | 441,000 | 1,398,000 | 1,873,000 |
| Net income | 2,057,000 | 2,272,000 | 4,521,000 | 5,978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 114,224,000 | 113,774,000 | 134,661,000 | 135,312,000 |
| Total capital | 121,275,000 | 120,876,000 | 142,867,000 | 143,701,000 |
| Risk-weighted assets | 560,110,000 | 562,129,000 | 650,489,000 | 664,742,000 |