Savings Bank of Mendocino County in Ukiah, California (CA)
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| Savings Bank of Mendocino County | |
|---|---|
| General | FDIC Certificate #: 8011 Status: Active Federal Reserve ID: 146663 Date Established: November 28, 1903 WWW: http://www.savingsbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 11 (Domestic: 11, Interstate: No) FDIC's unique #: 5095 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: June 20, 2011 Last Structure Change Process Date: November 07, 2011 Last Data Update: November 07, 2011 Data Source Date: April 05, 2012 |
| Location | Address: 200 North School Street, Ukiah, CA 95482 County: Mendocino Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: San Francisco FDIC Field Office: Sacramento Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Core Based Statistical Area (CBSA): Ukiah, CA (#46380) CBSA Micro Statistical Area: Yes |
| Financial Summary | Total assets: $905.4 mil Equity capital: $146.7 mil Deposits held in domestic offices: $755.8 mil Return on assets (ROA): 0.90% ($8.1 mil) Quarterly return on assets: 0.83% ($7.5 mil) Return on Equity (ROE): 5.63% ($8.3 mil) Quarterly return on equity: 5.17% ($7.6 mil) Net income: $8.1 mil Quarterly Net income: $1.9 mil Pretax return on assets: 1.35% ($12,222.7 mil) Quarterly Pretax return on assets: 1.35% ($12,222.7 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 233 |
| Total assets | $905,382 |
| Cash and due from depository institutions | $44,805 |
| Interest-bearing balances | $32,382 |
| Securities | $484,502 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $338,043 |
| Loan loss allowance | $13,526 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $9,630 |
| Other real estate owned | $4,563 |
| Goodwill and other intangibles | $0 |
| All other assets | $23,839 |
| Life insurance assets | $905,382 |
| Total liabilities and capital | $758,666 |
| Total liabilities | $755,757 |
| Total deposits | $629,996 |
| Interest-bearing deposits | $755,757 |
| Deposits held in domestic offices | $90 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $2,909 |
| All other liabilities | $146,716 |
| Total equity capital | $146,716 |
| Total bank equity capital | $146,716 |
| Perpetual preferred stock | $0 |
| Common stock | $2,696 |
| Surplus | $4,795 |
| Undivided profits | $139,225 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $1,164 |
| Income earned, not collected on loans | $28,802 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $5,866 |
| Average Assets, year-to-date | $854,927 |
| Average Assets, quarterly | $135,276 |
| Volatile liabilities | $891,600 |
| Insider loans | $905,583 |
| FHLB advances | $668,117 |
| Loans and leases held for sale | $891,591 |
| Unused loan commitments | $12,053 |
| Tier 1 (core) risk-based capital | $12,053 |
| Tier 2 risk-based capital | $139,840 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $44,037 |
| Derivatives | $4,960 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $37,094 |
| Total interest expense | $5,760 |
| Net interest income | $31,334 |
| Provision for loan and lease losses | $1,800 |
| Total noninterest income | $5,348 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $1,552 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $3,796 |
| Total noninterest expense | $22,874 |
| Salaries and employee benefits | $13,319 |
| Premises and equipment expense | $3,307 |
| Additional noninterest expense | $6,248 |
| Pre-tax net operating income | $12,008 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $3,953 |
| Income before extraordinary items | $8,055 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $8,055 |
| Net charge-offs | $0 |
| Cash dividends | $8,055 |
| Sale, conversion, retirement of capital stock, net | $3,954 |
| Net operating income | $3,679 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.41% |
| Cost of funding earning assets | 0.69% |
| Net interest margin | 3.73% |
| Noninterest income to earning assets | 0.64% |
| Noninterest expense to earning assets | 2.72% |
| Net operating income to assets | 0.90% |
| Return on assets (ROA) | 0.90% |
| Pretax return on assets | 1.35% |
| Return on equity (ROE) | 5.63% |
| Retained earnings to average equity (YTD only) | 3.06% |
| Net charge-offs to loans | 1.05% |
| Credit loss provision to net charge-offs | 45.52% |
| Efficiency ratio | 3.49% |
| Assets per employee | $61,940 |
| Cash dividends to net income (YTD only) | 3.89% |
| Condition Ratios (%) | |
| Loss allowance to loans | 45.67% |
| Loss allowance to noncurrent loans | 3.85% |
| Noncurrent assets plus other real estate owned to assets | 46.96% |
| Noncurrent loans to loans | 3.69% |
| Net loans and leases to deposits | 8.19% |
| Net loans and leases to core deposits | 44.73% |
| Equity capital to assets | 46.20% |
| Core capital (leverage) ratio | 16.20% |
| Tier 1 risk-based capital ratio | 15.68% |
| Total risk-based capital ratio | 20.93% |
| Memoranda | |
| Average assets | $22 |
| Average earning assets | $891,600 |
| Average equity | $143,150 |
| Average loans | $840,682 |
| 11 California Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 5095 | Savings Bank Of Mendocino County | 200 North School Street, Ukiah, CA 95482 | November 28, 1903 | Full Service Brick and Mortar |  |
| 1 | 217656 | Hopland Branch | 13411 South Highway 101, Hopland, CA 95449 | November 23, 1927 | Full Service Brick and Mortar |  |
| 2 | 217657 | South Ukiah Branch | 1100 Airport Boulevard, Ukiah, CA 95482 | November 11, 1966 | Full Service Brick and Mortar | |
| 3 | 217658 | Fort Bragg Branch | 490 South Franklin Street, Fort Bragg, CA 95437 | Febuary 16, 1970 | Full Service Brick and Mortar | |
| 4 | 217659 | North Ukiah Branch | 904 North State Street, Ukiah, CA 95482 | October 21, 1974 | Full Service Brick and Mortar | |
| 5 | 217660 | Redwood Valley Branch | 8431 East Road, Redwood Valley, CA 95470 | April 26, 1976 | Full Service Brick and Mortar | |
| 6 | 217661 | Mendocino Branch | 10500 Lansing Street, Mendocino, CA 95460 | October 10, 1977 | Full Service Brick and Mortar | |
| 7 | 217662 | Pear Tree Branch | 414 East Perkins Street, Ukiah, CA 95482 | December 21, 1981 | Full Service Brick and Mortar | |
| 9 | 39570 | Lakeport Branch | 650 North Main Street, Lakeport, CA 95453 | August 10, 1988 | Full Service Brick and Mortar | |
| 10 | 7444 | Willits Branch | 145 South Main Street, Willits, CA 95490 | April 11, 1904 | Full Service Brick and Mortar | |
| 11 | 225331 | Laytonville Branch | 44920 Highway 101, Laytonville, CA 95454 | March 18, 1968 | Full Service Brick and Mortar | |
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