Call reports 2012
SAVINGS BANK OF MENDOCINO COUNTY — 2012
What SAVINGS BANK OF MENDOCINO COUNTY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 903,854,000 | 907,162,000 | 930,941,000 | 937,246,000 |
| Total loans | 347,438,000 | 342,957,000 | 347,009,000 | 353,879,000 |
| Allowance for loan losses | 13,697,000 | 14,530,000 | 14,159,000 | 13,681,000 |
| Securities available for sale | 397,937,000 | 419,209,000 | 397,407,000 | 420,877,000 |
| Securities held to maturity | 86,631,000 | 79,776,000 | 112,175,000 | 103,618,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 752,463,000 | 754,278,000 | 776,504,000 | 783,566,000 |
| Interest-bearing deposits | 629,095,000 | 622,329,000 | 633,732,000 | 641,147,000 |
| Noninterest-bearing deposits | 123,368,000 | 131,949,000 | 142,772,000 | 142,419,000 |
| Equity capital | 148,474,000 | 149,369,000 | 151,373,000 | 150,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 9,130,000 | 17,841,000 | 26,487,000 | 34,984,000 |
| Interest expense | 1,016,000 | 1,927,000 | 2,778,000 | 3,505,000 |
| Net interest income | 8,114,000 | 15,914,000 | 23,709,000 | 31,479,000 |
| Noninterest income | 1,185,000 | 2,566,000 | 3,994,000 | 5,664,000 |
| Noninterest expense | 5,423,000 | 11,562,000 | 17,208,000 | 23,090,000 |
| Provision for loan losses | 300,000 | 300,000 | 300,000 | 300,000 |
| Pretax income | 3,577,000 | 6,618,000 | 10,346,000 | 13,916,000 |
| Income tax | 1,203,000 | 2,205,000 | 3,543,000 | 4,790,000 |
| Net income | 2,374,000 | 4,413,000 | 6,803,000 | 9,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 141,176,000 | 142,296,000 | 143,766,000 | 144,101,000 |
| Total capital | 149,558,000 | 150,795,000 | 152,229,000 | 152,729,000 |
| Risk-weighted assets | 664,933,000 | 673,382,000 | 670,760,000 | 684,626,000 |