Call reports 2025
SPENCER COUNTY BANK — 2025
What SPENCER COUNTY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 128,944,000 | 130,739,000 | 131,588,000 | 130,893,000 |
| Total loans | 79,798,000 | 80,131,000 | 80,514,000 | 79,551,000 |
| Allowance for loan losses | 579,000 | 515,000 | 587,000 | 593,000 |
| Securities available for sale | 27,471,000 | 28,798,000 | 29,236,000 | 30,465,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,079,000 | 112,522,000 | 112,856,000 | 111,981,000 |
| Interest-bearing deposits | 82,095,000 | 84,046,000 | 85,302,000 | 85,594,000 |
| Noninterest-bearing deposits | 28,984,000 | 28,476,000 | 27,554,000 | 26,387,000 |
| Equity capital | 17,240,000 | 17,626,000 | 18,028,000 | 18,268,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,520,000 | 3,109,000 | 4,712,000 | 6,294,000 |
| Interest expense | 416,000 | 825,000 | 1,249,000 | 1,678,000 |
| Net interest income | 1,104,000 | 2,284,000 | 3,463,000 | 4,616,000 |
| Noninterest income | 164,000 | 340,000 | 529,000 | 666,000 |
| Noninterest expense | 948,000 | 1,923,000 | 2,910,000 | 4,017,000 |
| Provision for loan losses | 23,000 | 88,000 | 173,000 | 188,000 |
| Pretax income | 297,000 | 613,000 | 934,000 | 1,102,000 |
| Income tax | 58,000 | 121,000 | 183,000 | 206,000 |
| Net income | 239,000 | 492,000 | 751,000 | 896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,158,000 | 18,412,000 | 18,671,000 | 18,770,000 |