Call reports 2011
SAVINGS BANK OF MENDOCINO COUNTY — 2011
What SAVINGS BANK OF MENDOCINO COUNTY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 876,713,000 | 885,102,000 | 905,783,000 | 905,382,000 |
| Total loans | 387,952,000 | 382,101,000 | 368,744,000 | 351,569,000 |
| Allowance for loan losses | 14,403,000 | 14,728,000 | 13,791,000 | 13,526,000 |
| Securities available for sale | 325,718,000 | 355,043,000 | 385,005,000 | 414,442,000 |
| Securities held to maturity | 88,057,000 | 81,667,000 | 78,818,000 | 70,060,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 733,614,000 | 738,117,000 | 757,307,000 | 755,757,000 |
| Interest-bearing deposits | 633,288,000 | 624,146,000 | 631,269,000 | 629,996,000 |
| Noninterest-bearing deposits | 100,326,000 | 113,971,000 | 126,038,000 | 125,761,000 |
| Equity capital | 139,902,000 | 143,998,000 | 145,534,000 | 146,716,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 9,606,000 | 18,933,000 | 28,152,000 | 37,094,000 |
| Interest expense | 1,677,000 | 3,268,000 | 4,630,000 | 5,760,000 |
| Net interest income | 7,929,000 | 15,665,000 | 23,522,000 | 31,334,000 |
| Noninterest income | 1,072,000 | 2,237,000 | 4,153,000 | 5,348,000 |
| Noninterest expense | 5,991,000 | 11,820,000 | 17,216,000 | 22,874,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,500,000 | 1,800,000 |
| Pretax income | 2,410,000 | 4,882,000 | 8,959,000 | 12,008,000 |
| Income tax | 682,000 | 1,400,000 | 2,792,000 | 3,953,000 |
| Net income | 1,728,000 | 3,482,000 | 6,167,000 | 8,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 136,116,000 | 137,048,000 | 138,843,000 | 139,840,000 |
| Total capital | 144,422,000 | 145,446,000 | 147,290,000 | 148,262,000 |
| Risk-weighted assets | 657,865,000 | 665,013,000 | 669,884,000 | 668,117,000 |