Call reports 2020
SAVINGS BANK OF MENDOCINO COUNTY — 2020
What SAVINGS BANK OF MENDOCINO COUNTY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,124,298,000 | 1,232,311,000 | 1,286,022,000 | 1,301,976,000 |
| Total loans | 549,298,000 | 611,584,000 | 634,862,000 | 662,216,000 |
| Allowance for loan losses | 11,603,000 | 11,737,000 | 11,729,000 | 12,838,000 |
| Securities available for sale | 489,494,000 | 490,500,000 | 482,057,000 | 474,650,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 926,011,000 | 1,028,489,000 | 1,080,076,000 | 1,093,902,000 |
| Interest-bearing deposits | 647,463,000 | 685,700,000 | 709,224,000 | 728,848,000 |
| Noninterest-bearing deposits | 278,548,000 | 342,789,000 | 370,852,000 | 365,054,000 |
| Equity capital | 193,783,000 | 199,504,000 | 201,926,000 | 203,413,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 10,039,000 | 20,323,000 | 30,676,000 | 41,028,000 |
| Interest expense | 316,000 | 627,000 | 944,000 | 1,262,000 |
| Net interest income | 9,723,000 | 19,696,000 | 29,732,000 | 39,766,000 |
| Noninterest income | 1,426,000 | 2,578,000 | 3,955,000 | 5,712,000 |
| Noninterest expense | 6,176,000 | 11,900,000 | 17,788,000 | 24,612,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,100,000 |
| Pretax income | 4,917,000 | 10,455,000 | 15,979,000 | 19,850,000 |
| Income tax | 1,269,000 | 2,800,000 | 4,305,000 | 5,443,000 |
| Net income | 3,648,000 | 7,655,000 | 11,674,000 | 14,407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 190,869,000 | 193,571,000 | 196,284,000 | 197,712,000 |