Call reports 2012
SPENCER COUNTY BANK — 2012
What SPENCER COUNTY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 107,399,000 | 110,022,000 | 114,227,000 | 109,862,000 |
| Total loans | 50,213,000 | 52,826,000 | 52,598,000 | 53,488,000 |
| Allowance for loan losses | 579,000 | 656,000 | 718,000 | 754,000 |
| Securities available for sale | 47,783,000 | 48,168,000 | 49,903,000 | 50,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,813,000 | 98,194,000 | 101,930,000 | 94,370,000 |
| Interest-bearing deposits | 82,980,000 | 86,261,000 | 90,027,000 | 81,324,000 |
| Noninterest-bearing deposits | 12,833,000 | 11,933,000 | 11,904,000 | 13,046,000 |
| Equity capital | 10,220,000 | 10,457,000 | 10,777,000 | 10,536,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,115,000 | 2,184,000 | 3,252,000 | 4,305,000 |
| Interest expense | 236,000 | 462,000 | 695,000 | 878,000 |
| Net interest income | 879,000 | 1,722,000 | 2,557,000 | 3,427,000 |
| Noninterest income | 141,000 | 260,000 | 379,000 | 484,000 |
| Noninterest expense | 666,000 | 1,329,000 | 2,010,000 | 2,713,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 220,000 |
| Pretax income | 294,000 | 533,000 | 746,000 | 978,000 |
| Income tax | 90,000 | 172,000 | 235,000 | 314,000 |
| Net income | 204,000 | 361,000 | 511,000 | 664,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,188,000 | 9,344,000 | 9,491,000 | 9,597,000 |
| Total capital | 9,766,000 | 9,976,000 | 10,127,000 | 10,215,000 |
| Risk-weighted assets | 48,410,000 | 49,755,000 | 50,041,000 | 49,286,000 |
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