Call reports 2008
SPENCER COUNTY BANK — 2008
What SPENCER COUNTY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 75,999,000 | 80,452,000 | 79,478,000 | 80,544,000 |
| Total loans | 45,664,000 | 45,165,000 | 46,355,000 | 48,136,000 |
| Allowance for loan losses | 250,000 | 334,000 | 367,000 | 407,000 |
| Securities available for sale | 23,288,000 | 26,466,000 | 25,914,000 | 25,080,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,244,000 | 71,673,000 | 70,476,000 | 71,768,000 |
| Interest-bearing deposits | 59,073,000 | 53,022,000 | 63,190,000 | 64,528,000 |
| Noninterest-bearing deposits | 8,171,000 | 18,651,000 | 7,286,000 | 7,240,000 |
| Equity capital | 8,096,000 | 8,092,000 | 8,263,000 | 8,212,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,096,000 | 2,194,000 | 3,314,000 | 4,450,000 |
| Interest expense | 493,000 | 994,000 | 1,496,000 | 1,997,000 |
| Net interest income | 603,000 | 1,200,000 | 1,818,000 | 2,453,000 |
| Noninterest income | 93,000 | 244,000 | 363,000 | 444,000 |
| Noninterest expense | 550,000 | 1,155,000 | 1,675,000 | 2,275,000 |
| Provision for loan losses | 184,000 | 214,000 | 244,000 | 274,000 |
| Pretax income | -38,000 | 75,000 | 262,000 | 348,000 |
| Income tax | 21,000 | 0 | 63,000 | 111,000 |
| Net income | -59,000 | 75,000 | 199,000 | 237,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,005,000 | 8,079,000 | 8,203,000 | 8,216,000 |
| Total capital | 8,255,000 | 8,456,000 | 8,570,000 | 8,623,000 |
| Risk-weighted assets | 45,284,000 | 45,258,000 | 46,863,000 | 48,729,000 |
Machine access — free, no API key
Every figure shown here about SPENCER COUNTY BANK — 2008 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.