Call reports 2009
SPENCER COUNTY BANK — 2009
What SPENCER COUNTY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 86,305,000 | 87,118,000 | 90,840,000 | 93,140,000 |
| Total loans | 48,638,000 | 48,915,000 | 49,623,000 | 51,159,000 |
| Allowance for loan losses | 408,000 | 402,000 | 430,000 | 425,000 |
| Securities available for sale | 29,423,000 | 32,605,000 | 36,190,000 | 34,038,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,851,000 | 77,625,000 | 80,892,000 | 83,462,000 |
| Interest-bearing deposits | 63,295,000 | 69,647,000 | 73,810,000 | 73,197,000 |
| Noninterest-bearing deposits | 13,556,000 | 7,978,000 | 7,082,000 | 10,265,000 |
| Equity capital | 8,613,000 | 8,592,000 | 8,903,000 | 8,596,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,101,000 | 2,223,000 | 3,369,000 | 4,490,000 |
| Interest expense | 480,000 | 924,000 | 1,344,000 | 1,753,000 |
| Net interest income | 621,000 | 1,299,000 | 2,025,000 | 2,737,000 |
| Noninterest income | 136,000 | 264,000 | 391,000 | 498,000 |
| Noninterest expense | 596,000 | 1,511,000 | 2,169,000 | 2,889,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 575,000 |
| Pretax income | 161,000 | 52,000 | 217,000 | -280,000 |
| Income tax | 17,000 | 27,000 | 38,000 | -126,000 |
| Net income | 144,000 | 25,000 | 179,000 | -154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,356,000 | 8,237,000 | 8,393,000 | 8,035,000 |
| Total capital | 8,764,000 | 8,639,000 | 8,823,000 | 8,460,000 |
| Risk-weighted assets | 48,067,000 | 47,014,000 | 48,536,000 | 50,737,000 |
Machine access — free, no API key
Every figure shown here about SPENCER COUNTY BANK — 2009 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 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.