Call reports 2013
SPENCER COUNTY BANK — 2013
What SPENCER COUNTY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 111,483,000 | 115,930,000 | 113,227,000 | 111,879,000 |
| Total loans | 51,761,000 | 51,935,000 | 51,801,000 | 51,055,000 |
| Allowance for loan losses | 827,000 | 818,000 | 848,000 | 900,000 |
| Securities available for sale | 46,996,000 | 48,946,000 | 55,075,000 | 52,563,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,458,000 | 104,481,000 | 101,763,000 | 99,477,000 |
| Interest-bearing deposits | 85,406,000 | 91,531,000 | 88,761,000 | 87,322,000 |
| Noninterest-bearing deposits | 14,052,000 | 12,950,000 | 13,002,000 | 12,155,000 |
| Equity capital | 10,784,000 | 10,501,000 | 10,516,000 | 10,646,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,031,000 | 2,028,000 | 3,008,000 | 4,043,000 |
| Interest expense | 190,000 | 378,000 | 560,000 | 737,000 |
| Net interest income | 841,000 | 1,650,000 | 2,448,000 | 3,306,000 |
| Noninterest income | 153,000 | 301,000 | 445,000 | 619,000 |
| Noninterest expense | 696,000 | 1,403,000 | 2,121,000 | 2,837,000 |
| Provision for loan losses | 60,000 | 120,000 | 170,000 | 200,000 |
| Pretax income | 238,000 | 428,000 | 602,000 | 888,000 |
| Income tax | 73,000 | 134,000 | 179,000 | 273,000 |
| Net income | 165,000 | 294,000 | 423,000 | 615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,781,000 | 9,908,000 | 10,037,000 | 10,196,000 |
| Total capital | 10,382,000 | 10,517,000 | 10,649,000 | 10,842,000 |
| Risk-weighted assets | 47,889,000 | 48,506,000 | 48,719,000 | 51,459,000 |
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