Call reports 2006
SPENCER COUNTY BANK — 2006
What SPENCER COUNTY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 67,449,000 | 68,734,000 | 69,320,000 | 69,230,000 |
| Total loans | 44,993,000 | 45,683,000 | 42,321,000 | 43,933,000 |
| Allowance for loan losses | 399,000 | 366,000 | 366,000 | 400,000 |
| Securities available for sale | 16,349,000 | 15,145,000 | 18,333,000 | 17,538,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,590,000 | 60,733,000 | 60,254,000 | 60,780,000 |
| Interest-bearing deposits | 51,565,000 | 51,405,000 | 53,504,000 | 53,612,000 |
| Noninterest-bearing deposits | 8,025,000 | 9,327,000 | 6,750,000 | 7,168,000 |
| Equity capital | 7,384,000 | 7,460,000 | 7,689,000 | 7,703,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 970,000 | 1,978,000 | 2,996,000 | 4,024,000 |
| Interest expense | 361,000 | 744,000 | 1,170,000 | 1,606,000 |
| Net interest income | 609,000 | 1,234,000 | 1,826,000 | 2,418,000 |
| Noninterest income | 129,000 | 244,000 | 380,000 | 511,000 |
| Noninterest expense | 580,000 | 1,135,000 | 1,697,000 | 2,311,000 |
| Provision for loan losses | 24,000 | 48,000 | 76,000 | 106,000 |
| Pretax income | 134,000 | 295,000 | 433,000 | 512,000 |
| Income tax | 39,000 | 78,000 | 117,000 | 178,000 |
| Net income | 95,000 | 217,000 | 316,000 | 334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,603,000 | 7,631,000 | 7,730,000 | 7,722,000 |
| Total capital | 8,002,000 | 7,997,000 | 8,096,000 | 8,122,000 |
| Risk-weighted assets | 45,229,000 | 46,309,000 | 42,684,000 | 43,595,000 |
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