Call reports 2016
SPENCER COUNTY BANK — 2016
What SPENCER COUNTY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 107,523,000 | 105,777,000 | 119,048,000 | 108,123,000 |
| Total loans | 54,591,000 | 56,832,000 | 58,053,000 | 59,839,000 |
| Allowance for loan losses | 862,000 | 813,000 | 816,000 | 812,000 |
| Securities available for sale | 42,782,000 | 40,041,000 | 37,209,000 | 36,354,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,741,000 | 93,301,000 | 106,455,000 | 95,957,000 |
| Interest-bearing deposits | 78,917,000 | 77,416,000 | 90,141,000 | 78,839,000 |
| Noninterest-bearing deposits | 15,824,000 | 15,885,000 | 16,314,000 | 17,118,000 |
| Equity capital | 11,705,000 | 11,842,000 | 11,922,000 | 11,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 908,000 | 1,788,000 | 2,665,000 | 3,557,000 |
| Interest expense | 147,000 | 295,000 | 449,000 | 604,000 |
| Net interest income | 761,000 | 1,493,000 | 2,216,000 | 2,953,000 |
| Noninterest income | 108,000 | 263,000 | 442,000 | 562,000 |
| Noninterest expense | 696,000 | 1,434,000 | 2,208,000 | 2,912,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 173,000 | 322,000 | 450,000 | 603,000 |
| Income tax | 47,000 | 85,000 | 114,000 | 142,000 |
| Net income | 126,000 | 237,000 | 336,000 | 461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,359,000 | 11,469,000 | 11,567,000 | 11,665,000 |
| Total capital | 12,031,000 | 12,162,000 | 12,273,000 | 12,387,000 |
| Risk-weighted assets | 53,636,000 | 55,348,000 | 56,419,000 | 57,721,000 |