Call reports 2013
SAVINGS BANK OF MENDOCINO COUNTY — 2013
What SAVINGS BANK OF MENDOCINO COUNTY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 936,553,000 | 928,583,000 | 941,029,000 | 957,772,000 |
| Total loans | 337,979,000 | 346,308,000 | 346,284,000 | 340,000,000 |
| Allowance for loan losses | 11,891,000 | 11,694,000 | 11,721,000 | 11,747,000 |
| Securities available for sale | 415,560,000 | 383,586,000 | 379,918,000 | 354,215,000 |
| Securities held to maturity | 101,116,000 | 123,769,000 | 139,714,000 | 156,817,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 781,426,000 | 775,018,000 | 785,854,000 | 799,973,000 |
| Interest-bearing deposits | 637,835,000 | 632,882,000 | 635,032,000 | 639,049,000 |
| Noninterest-bearing deposits | 143,591,000 | 142,136,000 | 150,822,000 | 160,924,000 |
| Equity capital | 152,057,000 | 150,171,000 | 151,985,000 | 153,864,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 8,240,000 | 16,179,000 | 23,883,000 | 31,587,000 |
| Interest expense | 624,000 | 1,215,000 | 1,803,000 | 2,371,000 |
| Net interest income | 7,616,000 | 14,964,000 | 22,080,000 | 29,216,000 |
| Noninterest income | 1,672,000 | 3,907,000 | 6,263,000 | 10,585,000 |
| Noninterest expense | 5,512,000 | 11,424,000 | 17,191,000 | 23,444,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,776,000 | 7,447,000 | 11,152,000 | 16,553,000 |
| Income tax | 1,341,000 | 2,636,000 | 3,945,000 | 5,964,000 |
| Net income | 2,435,000 | 4,811,000 | 7,207,000 | 10,589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 146,536,000 | 147,962,000 | 149,408,000 | 151,841,000 |
| Total capital | 154,892,000 | 156,187,000 | 157,581,000 | 159,724,000 |
| Risk-weighted assets | 664,295,000 | 654,356,000 | 650,159,000 | 626,638,000 |