Savings Bank of Mendocino County in Ukiah, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Savings Bank of Mendocino County in Ukiah, California (CA)
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Savings Bank of Mendocino County - Overview

  • General
  • FDIC Certificate #: 8011
    Status: Active
    Federal Reserve ID: 146663
    Date Established: November 28, 1903
    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)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 233Total employees (full-time equivalent)
  • $905,382Total assets
  • $44,805Cash and due from depository institutions
  • $32,382Interest-bearing balances
  • $484,502Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $338,043Net loans & leases
  • $13,526Loan loss allowance
  • $0Trading account assets
  • $9,630Bank premises and fixed assets
  • $4,563Other real estate owned
  • $0Goodwill and other intangibles
  • $905,382Life insurance assets
  • $23,839All other assets
  • $758,666Total liabilities and capital
  • $755,757Total liabilities
  • $629,996Total deposits
  • $755,757Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,909Subordinated debt
  • $146,716All other liabilities
  • $146,716Total equity capital
  • $146,716Total bank equity capital
  • $0Perpetual preferred stock
  • $2,696Common stock
  • $4,795Surplus
  • $139,225Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,164Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $28,802Income earned, not collected on loans
  • $0Earning assets
  • $5,866Long-term assets (5+ years)
  • $854,927Average Assets, year-to-date
  • $135,276Average Assets, quarterly
  • $891,600Volatile liabilities
  • $905,583Insider loans
  • $668,117FHLB advances
  • $891,591Loans and leases held for sale
  • $12,053Unused loan commitments
  • $12,053Tier 1 (core) risk-based capital
  • $139,840Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $44,037Restructured Loans and leases
  • $4,960Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $37,094Total interest income
  • $5,760Total interest expense
  • $31,334Net interest income
  • $1,800Provision for loan and lease losses
  • $5,348Total noninterest income
  • $0Fiduciary activities
  • $1,552Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,796Additional noninterest income
  • $22,874Total noninterest expense
  • $13,319Salaries and employee benefits
  • $3,307Premises and equipment expense
  • $6,248Additional noninterest expense
  • $12,008Pre-tax net operating income
  • $0Securities gains (losses)
  • $3,953Applicable income taxes
  • $8,055Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,055Net income attributable to bank
  • $0Net charge-offs
  • $8,055Cash dividends
  • $3,954Sale, conversion, retirement of capital stock, net
  • $3,679Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.41%Yield on earning assets
  • 0.69%Cost of funding earning assets
  • 3.73%Net interest margin
  • 0.64%Noninterest income to earning assets
  • 2.72%Noninterest expense to earning assets
  • 0.90%Net operating income to assets
  • 0.90%Return on assets (ROA)
  • 1.35%Pretax return on assets
  • 5.63%Return on equity (ROE)
  • 3.06%Retained earnings to average equity (YTD only)
  • 1.05%Net charge-offs to loans
  • 45.52%Credit loss provision to net charge-offs
  • 3.49%Efficiency ratio
  • 61,940Assets per employee
  • 3.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.67%Loss allowance to loans
  • 3.85%Loss allowance to noncurrent loans
  • 46.96%Noncurrent assets plus other real estate owned to assets
  • 3.69%Noncurrent loans to loans
  • 8.19%Net loans and leases to deposits
  • 44.73%Net loans and leases to core deposits
  • 46.20%Equity capital to assets
  • 16.20%Core capital (leverage) ratio
  • 15.68%Tier 1 risk-based capital ratio
  • 20.93%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $891,600Average earning assets
  • $143,150Average equity
  • $840,682Average loans

List of branches

  • 11 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05095Savings Bank Of Mendocino County200 North School Street, Ukiah, CA 95482November 28, 1903Full Service Brick and Mortar
    1217656Hopland Branch13411 South Highway 101, Hopland, CA 95449November 23, 1927Full Service Brick and Mortar
    2217657South Ukiah Branch1100 Airport Boulevard, Ukiah, CA 95482November 11, 1966Full Service Brick and Mortar
    3217658Fort Bragg Branch490 South Franklin Street, Fort Bragg, CA 95437Febuary 16, 1970Full Service Brick and Mortar
    4217659North Ukiah Branch904 North State Street, Ukiah, CA 95482October 21, 1974Full Service Brick and Mortar
    5217660Redwood Valley Branch8431 East Road, Redwood Valley, CA 95470April 26, 1976Full Service Brick and Mortar
    6217661Mendocino Branch10500 Lansing Street, Mendocino, CA 95460October 10, 1977Full Service Brick and Mortar
    7217662Pear Tree Branch414 East Perkins Street, Ukiah, CA 95482December 21, 1981Full Service Brick and Mortar
    939570Lakeport Branch650 North Main Street, Lakeport, CA 95453August 10, 1988Full Service Brick and Mortar
    107444Willits Branch145 South Main Street, Willits, CA 95490April 11, 1904Full Service Brick and Mortar
    11225331Laytonville Branch44920 Highway 101, Laytonville, CA 95454March 18, 1968Full Service Brick and Mortar

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