Call reports 2015
SAVINGS BANK OF MENDOCINO COUNTY — 2015
What SAVINGS BANK OF MENDOCINO COUNTY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,008,194,000 | 1,043,784,000 | 1,006,276,000 | 1,018,381,000 |
| Total loans | 370,811,000 | 381,392,000 | 395,081,000 | 414,576,000 |
| Allowance for loan losses | 11,547,000 | 11,578,000 | 11,700,000 | 11,778,000 |
| Securities available for sale | 335,747,000 | 320,294,000 | 315,782,000 | 283,864,000 |
| Securities held to maturity | 220,025,000 | 216,696,000 | 215,976,000 | 239,199,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 846,505,000 | 881,984,000 | 842,600,000 | 855,032,000 |
| Interest-bearing deposits | 658,804,000 | 649,150,000 | 655,063,000 | 655,507,000 |
| Noninterest-bearing deposits | 187,701,000 | 232,834,000 | 187,537,000 | 199,525,000 |
| Equity capital | 158,309,000 | 158,369,000 | 160,083,000 | 160,091,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,630,000 | 15,274,000 | 22,979,000 | 31,263,000 |
| Interest expense | 463,000 | 901,000 | 1,330,000 | 1,748,000 |
| Net interest income | 7,167,000 | 14,373,000 | 21,649,000 | 29,515,000 |
| Noninterest income | 1,222,000 | 2,626,000 | 3,844,000 | 4,617,000 |
| Noninterest expense | 5,091,000 | 10,351,000 | 15,589,000 | 21,056,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,298,000 | 6,648,000 | 9,904,000 | 13,076,000 |
| Income tax | 1,224,000 | 2,475,000 | 3,690,000 | 4,877,000 |
| Net income | 2,074,000 | 4,173,000 | 6,214,000 | 8,199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 156,892,000 | 157,982,000 | 159,015,000 | 159,991,000 |
| Total capital | 164,552,000 | 165,539,000 | 166,632,000 | 167,609,000 |
| Risk-weighted assets | 608,914,000 | 600,366,000 | 605,132,000 | 605,142,000 |