Call reports 2010
SPENCER COUNTY BANK — 2010
What SPENCER COUNTY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 94,515,000 | 97,660,000 | 96,558,000 | 98,562,000 |
| Total loans | 49,644,000 | 50,162,000 | 48,555,000 | 48,784,000 |
| Allowance for loan losses | 427,000 | 465,000 | 301,000 | 389,000 |
| Securities available for sale | 35,405,000 | 35,187,000 | 40,065,000 | 41,371,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,604,000 | 87,417,000 | 86,063,000 | 88,340,000 |
| Interest-bearing deposits | 76,384,000 | 77,535,000 | 77,143,000 | 78,771,000 |
| Noninterest-bearing deposits | 8,219,000 | 9,882,000 | 8,920,000 | 9,569,000 |
| Equity capital | 8,724,000 | 8,959,000 | 9,159,000 | 9,019,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,098,000 | 2,191,000 | 3,324,000 | 4,449,000 |
| Interest expense | 387,000 | 751,000 | 1,082,000 | 1,382,000 |
| Net interest income | 711,000 | 1,440,000 | 2,242,000 | 3,067,000 |
| Noninterest income | 96,000 | 208,000 | 351,000 | 464,000 |
| Noninterest expense | 609,000 | 1,204,000 | 1,837,000 | 2,548,000 |
| Provision for loan losses | 45,000 | 90,000 | 186,000 | 355,000 |
| Pretax income | 153,000 | 354,000 | 570,000 | 628,000 |
| Income tax | 42,000 | 111,000 | 194,000 | 235,000 |
| Net income | 111,000 | 243,000 | 376,000 | 393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,146,000 | 8,255,000 | 8,385,000 | 8,379,000 |
| Total capital | 8,573,000 | 8,720,000 | 8,686,000 | 8,768,000 |
| Risk-weighted assets | 49,800,000 | 49,486,000 | 47,055,000 | 49,993,000 |
Machine access — free, no API key
Every figure shown here about SPENCER COUNTY BANK — 2010 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.