Call reports 2015
SPENCER COUNTY BANK — 2015
What SPENCER COUNTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 107,503,000 | 111,173,000 | 109,416,000 | 108,558,000 |
| Total loans | 50,807,000 | 51,783,000 | 52,883,000 | 54,931,000 |
| Allowance for loan losses | 944,000 | 934,000 | 934,000 | 912,000 |
| Securities available for sale | 45,470,000 | 48,421,000 | 48,035,000 | 45,516,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,289,000 | 98,761,000 | 94,292,000 | 93,767,000 |
| Interest-bearing deposits | 79,705,000 | 83,956,000 | 80,548,000 | 78,111,000 |
| Noninterest-bearing deposits | 15,584,000 | 14,805,000 | 13,744,000 | 15,656,000 |
| Equity capital | 11,446,000 | 11,379,000 | 11,561,000 | 11,442,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 887,000 | 1,780,000 | 2,686,000 | 3,601,000 |
| Interest expense | 147,000 | 299,000 | 449,000 | 599,000 |
| Net interest income | 740,000 | 1,481,000 | 2,237,000 | 3,002,000 |
| Noninterest income | 122,000 | 241,000 | 376,000 | 483,000 |
| Noninterest expense | 719,000 | 1,432,000 | 2,170,000 | 2,908,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 143,000 | 290,000 | 443,000 | 577,000 |
| Income tax | 36,000 | 72,000 | 110,000 | 128,000 |
| Net income | 107,000 | 218,000 | 333,000 | 449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,916,000 | 11,029,000 | 11,143,000 | 11,231,000 |
| Total capital | 11,557,000 | 11,689,000 | 11,799,000 | 11,919,000 |
| Risk-weighted assets | 51,008,000 | 52,588,000 | 52,207,000 | 54,870,000 |