Call reports 2016
SAVINGS BANK OF MENDOCINO COUNTY — 2016
What SAVINGS BANK OF MENDOCINO COUNTY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,023,145,000 | 1,044,645,000 | 1,058,478,000 | 1,069,710,000 |
| Total loans | 426,479,000 | 425,980,000 | 459,879,000 | 470,108,000 |
| Allowance for loan losses | 11,718,000 | 11,668,000 | 11,674,000 | 11,676,000 |
| Securities available for sale | 265,547,000 | 253,190,000 | 278,202,000 | 255,027,000 |
| Securities held to maturity | 238,872,000 | 237,085,000 | 238,968,000 | 237,114,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 856,265,000 | 874,750,000 | 888,016,000 | 901,430,000 |
| Interest-bearing deposits | 657,784,000 | 662,408,000 | 662,688,000 | 663,045,000 |
| Noninterest-bearing deposits | 198,481,000 | 212,342,000 | 225,328,000 | 238,385,000 |
| Equity capital | 163,371,000 | 166,229,000 | 167,047,000 | 164,086,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 8,238,000 | 16,359,000 | 24,717,000 | 33,328,000 |
| Interest expense | 400,000 | 786,000 | 1,139,000 | 1,481,000 |
| Net interest income | 7,838,000 | 15,573,000 | 23,578,000 | 31,847,000 |
| Noninterest income | 1,523,000 | 2,677,000 | 3,923,000 | 5,116,000 |
| Noninterest expense | 5,174,000 | 10,588,000 | 15,862,000 | 22,370,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,187,000 | 7,662,000 | 11,639,000 | 14,613,000 |
| Income tax | 1,598,000 | 2,913,000 | 4,427,000 | 5,532,000 |
| Net income | 2,589,000 | 4,749,000 | 7,212,000 | 9,081,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 161,423,000 | 162,545,000 | 163,969,000 | 164,800,000 |
| Total capital | 168,965,000 | 170,095,000 | 172,030,000 | 172,855,000 |
| Risk-weighted assets | 599,021,000 | 599,708,000 | 641,083,000 | 640,677,000 |