Call reports 2017
SPENCER COUNTY BANK — 2017
What SPENCER COUNTY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 107,728,000 | 106,067,000 | 106,812,000 | 108,132,000 |
| Total loans | 59,814,000 | 61,169,000 | 61,033,000 | 59,725,000 |
| Allowance for loan losses | 814,000 | 792,000 | 788,000 | 780,000 |
| Securities available for sale | 34,916,000 | 35,225,000 | 33,102,000 | 32,064,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,310,000 | 93,418,000 | 93,905,000 | 95,443,000 |
| Interest-bearing deposits | 77,326,000 | 76,215,000 | 75,527,000 | 75,632,000 |
| Noninterest-bearing deposits | 17,984,000 | 17,203,000 | 18,378,000 | 19,811,000 |
| Equity capital | 11,941,000 | 12,094,000 | 12,261,000 | 12,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 900,000 | 1,810,000 | 2,724,000 | 3,636,000 |
| Interest expense | 155,000 | 311,000 | 466,000 | 630,000 |
| Net interest income | 745,000 | 1,499,000 | 2,258,000 | 3,006,000 |
| Noninterest income | 145,000 | 309,000 | 481,000 | 614,000 |
| Noninterest expense | 744,000 | 1,405,000 | 2,117,000 | 2,862,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 146,000 | 403,000 | 622,000 | 758,000 |
| Income tax | 11,000 | 119,000 | 183,000 | 168,000 |
| Net income | 135,000 | 284,000 | 439,000 | 590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,799,000 | 11,950,000 | 12,103,000 | 12,230,000 |
| Total capital | 12,511,000 | 12,693,000 | 12,825,000 | 12,947,000 |
| Risk-weighted assets | 56,934,000 | 59,411,000 | 57,721,000 | 57,315,000 |