Call reports 2018
SPENCER COUNTY BANK — 2018
What SPENCER COUNTY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 108,969,000 | 106,446,000 | 104,605,000 | 106,053,000 |
| Total loans | 60,271,000 | 61,005,000 | 61,445,000 | 64,940,000 |
| Allowance for loan losses | 784,000 | 724,000 | 713,000 | 716,000 |
| Securities available for sale | 33,109,000 | 30,411,000 | 33,197,000 | 31,355,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,258,000 | 93,677,000 | 91,662,000 | 92,913,000 |
| Interest-bearing deposits | 76,275,000 | 75,028,000 | 73,734,000 | 74,712,000 |
| Noninterest-bearing deposits | 19,983,000 | 18,649,000 | 17,928,000 | 18,201,000 |
| Equity capital | 12,297,000 | 12,395,000 | 12,535,000 | 12,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 919,000 | 1,879,000 | 2,844,000 | 3,855,000 |
| Interest expense | 159,000 | 336,000 | 523,000 | 717,000 |
| Net interest income | 760,000 | 1,543,000 | 2,321,000 | 3,138,000 |
| Noninterest income | 129,000 | 286,000 | 447,000 | 588,000 |
| Noninterest expense | 727,000 | 1,453,000 | 2,202,000 | 2,935,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 162,000 | 376,000 | 566,000 | 791,000 |
| Income tax | 29,000 | 71,000 | 108,000 | 146,000 |
| Net income | 133,000 | 305,000 | 458,000 | 645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,362,000 | 12,534,000 | 12,688,000 | 12,828,000 |
| Total capital | 13,096,000 | 13,258,000 | 13,401,000 | 13,544,000 |
| Risk-weighted assets | 58,701,000 | 63,715,000 | 63,752,000 | 66,698,000 |