Call reports 2014
SAVINGS BANK OF MENDOCINO COUNTY — 2014
What SAVINGS BANK OF MENDOCINO COUNTY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 960,573,000 | 957,368,000 | 974,765,000 | 974,642,000 |
| Total loans | 359,329,000 | 362,657,000 | 366,075,000 | 363,065,000 |
| Allowance for loan losses | 11,698,000 | 11,653,000 | 11,581,000 | 11,544,000 |
| Securities available for sale | 344,441,000 | 333,654,000 | 326,954,000 | 336,773,000 |
| Securities held to maturity | 189,065,000 | 185,762,000 | 194,592,000 | 210,461,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 802,743,000 | 798,462,000 | 815,665,000 | 814,562,000 |
| Interest-bearing deposits | 643,451,000 | 636,933,000 | 648,684,000 | 652,330,000 |
| Noninterest-bearing deposits | 159,292,000 | 161,529,000 | 166,981,000 | 162,232,000 |
| Equity capital | 154,673,000 | 155,844,000 | 156,048,000 | 156,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 7,218,000 | 14,787,000 | 22,429,000 | 30,281,000 |
| Interest expense | 538,000 | 1,049,000 | 1,547,000 | 2,032,000 |
| Net interest income | 6,680,000 | 13,738,000 | 20,882,000 | 28,249,000 |
| Noninterest income | 1,258,000 | 2,505,000 | 3,840,000 | 5,048,000 |
| Noninterest expense | 5,093,000 | 10,108,000 | 15,390,000 | 20,940,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,215,000 | 6,505,000 | 9,702,000 | 12,756,000 |
| Income tax | 1,143,000 | 2,335,000 | 3,500,000 | 4,616,000 |
| Net income | 2,072,000 | 4,170,000 | 6,202,000 | 8,140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 152,816,000 | 153,935,000 | 154,987,000 | 155,946,000 |
| Total capital | 160,678,000 | 161,701,000 | 162,705,000 | 163,612,000 |
| Risk-weighted assets | 625,020,000 | 617,213,000 | 613,397,000 | 609,195,000 |