Call reports 2014
SPENCER COUNTY BANK — 2014
What SPENCER COUNTY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 110,294,000 | 116,045,000 | 106,905,000 | 107,596,000 |
| Total loans | 51,166,000 | 50,246,000 | 51,062,000 | 51,053,000 |
| Allowance for loan losses | 928,000 | 921,000 | 958,000 | 945,000 |
| Securities available for sale | 50,614,000 | 48,138,000 | 46,613,000 | 45,626,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,175,000 | 104,149,000 | 94,835,000 | 95,545,000 |
| Interest-bearing deposits | 84,234,000 | 90,582,000 | 81,658,000 | 79,640,000 |
| Noninterest-bearing deposits | 13,941,000 | 13,567,000 | 13,177,000 | 15,905,000 |
| Equity capital | 10,905,000 | 11,067,000 | 11,127,000 | 11,337,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 981,000 | 1,960,000 | 2,888,000 | 3,828,000 |
| Interest expense | 163,000 | 327,000 | 483,000 | 634,000 |
| Net interest income | 818,000 | 1,633,000 | 2,405,000 | 3,194,000 |
| Noninterest income | 132,000 | 265,000 | 431,000 | 586,000 |
| Noninterest expense | 733,000 | 1,442,000 | 2,149,000 | 2,860,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 100,000 |
| Pretax income | 187,000 | 396,000 | 597,000 | 827,000 |
| Income tax | 55,000 | 129,000 | 177,000 | 221,000 |
| Net income | 132,000 | 267,000 | 420,000 | 606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,328,000 | 10,464,000 | 10,618,000 | 10,774,000 |
| Total capital | 10,951,000 | 11,098,000 | 11,261,000 | 11,414,000 |
| Risk-weighted assets | 51,025,000 | 50,432,000 | 51,141,000 | 50,856,000 |
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