Call reports 2022
SPENCER COUNTY BANK — 2022
What SPENCER COUNTY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 139,844,000 | 136,534,000 | 137,023,000 | 126,539,000 |
| Total loans | 68,907,000 | 71,904,000 | 74,381,000 | 78,256,000 |
| Allowance for loan losses | 467,000 | 489,000 | 490,000 | 483,000 |
| Securities available for sale | 32,065,000 | 30,896,000 | 29,032,000 | 30,235,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,428,000 | 122,428,000 | 122,859,000 | 112,141,000 |
| Interest-bearing deposits | 97,051,000 | 94,259,000 | 93,918,000 | 84,475,000 |
| Noninterest-bearing deposits | 28,377,000 | 28,169,000 | 28,941,000 | 27,666,000 |
| Equity capital | 13,840,000 | 13,490,000 | 13,394,000 | 13,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 846,000 | 1,895,000 | 2,993,000 | 4,176,000 |
| Interest expense | 84,000 | 164,000 | 240,000 | 321,000 |
| Net interest income | 762,000 | 1,731,000 | 2,753,000 | 3,855,000 |
| Noninterest income | 157,000 | 324,000 | 871,000 | 1,089,000 |
| Noninterest expense | 810,000 | 1,619,000 | 2,652,000 | 3,545,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 109,000 | 436,000 | 972,000 | 1,399,000 |
| Income tax | 8,000 | 53,000 | 111,000 | 192,000 |
| Net income | 101,000 | 383,000 | 861,000 | 1,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,724,000 | 15,007,000 | 15,485,000 | 15,773,000 |