Call report 2025Q4
SPENCER COUNTY BANK — 2025Q4
The 22 measures SPENCER COUNTY BANK reported to the FFIEC for 2025Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 130,893,000 | USD | evidence → |
| Total loans | 79,551,000 | USD | evidence → |
| Allowance for loan losses | 593,000 | USD | evidence → |
| Securities available for sale | 30,465,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 111,981,000 | USD | evidence → |
| Interest-bearing deposits | 85,594,000 | USD | evidence → |
| Noninterest-bearing deposits | 26,387,000 | USD | evidence → |
| Equity capital | 18,268,000 | USD | evidence → |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | Value | Unit | Source |
|---|---|---|---|
| Interest income | 6,294,000 | USD | evidence → |
| Interest expense | 1,678,000 | USD | evidence → |
| Net interest income | 4,616,000 | USD | evidence → |
| Noninterest income | 666,000 | USD | evidence → |
| Noninterest expense | 4,017,000 | USD | evidence → |
| Provision for loan losses | 188,000 | USD | evidence → |
| Pretax income | 1,102,000 | USD | evidence → |
| Income tax | 206,000 | USD | evidence → |
| Net income | 896,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 18,770,000 | USD | evidence → |