Call reports 2019
SPENCER COUNTY BANK — 2019
What SPENCER COUNTY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 112,430,000 | 109,065,000 | 109,128,000 | 108,992,000 |
| Total loans | 64,944,000 | 65,968,000 | 67,552,000 | 67,140,000 |
| Allowance for loan losses | 716,000 | 689,000 | 698,000 | 706,000 |
| Securities available for sale | 28,328,000 | 28,412,000 | 25,966,000 | 27,624,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,873,000 | 95,022,000 | 94,757,000 | 93,661,000 |
| Interest-bearing deposits | 79,147,000 | 75,359,000 | 74,794,000 | 74,558,000 |
| Noninterest-bearing deposits | 19,726,000 | 19,663,000 | 19,963,000 | 19,103,000 |
| Equity capital | 13,144,000 | 13,494,000 | 13,712,000 | 13,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,060,000 | 2,160,000 | 3,275,000 | 4,333,000 |
| Interest expense | 200,000 | 413,000 | 629,000 | 847,000 |
| Net interest income | 860,000 | 1,747,000 | 2,646,000 | 3,486,000 |
| Noninterest income | 160,000 | 345,000 | 527,000 | 699,000 |
| Noninterest expense | 761,000 | 1,533,000 | 2,352,000 | 3,138,000 |
| Provision for loan losses | 0 | 0 | 7,000 | 15,000 |
| Pretax income | 259,000 | 559,000 | 814,000 | 1,032,000 |
| Income tax | 54,000 | 117,000 | 173,000 | 207,000 |
| Net income | 205,000 | 442,000 | 641,000 | 825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,033,000 | 13,270,000 | 13,469,000 | 13,610,000 |
| Total capital | 13,749,000 | 13,959,000 | 14,167,000 | 14,316,000 |
| Risk-weighted assets | 66,668,000 | 67,355,000 | 67,802,000 | 71,827,000 |