Call reports 2012
SPENCER SAVINGS BANK, SAVINGS AND LOAN ASSOCIATION — 2012
What SPENCER SAVINGS BANK, SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,816,345,000 | 1,826,488,000 | 1,823,636,000 | 1,884,243,000 |
| Total loans | 1,229,577,000 | 1,244,537,000 | 1,249,914,000 | 1,320,908,000 |
| Allowance for loan losses | 13,988,000 | 12,508,000 | 11,851,000 | 12,098,000 |
| Securities available for sale | 429,288,000 | 421,613,000 | 402,364,000 | 399,186,000 |
| Securities held to maturity | 2,086,000 | 7,984,000 | 7,977,000 | 7,780,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,338,234,000 | 1,351,129,000 | 1,369,964,000 | 1,382,201,000 |
| Interest-bearing deposits | 1,260,258,000 | 1,268,990,000 | 1,287,653,000 | 1,295,314,000 |
| Noninterest-bearing deposits | 77,976,000 | 82,139,000 | 82,311,000 | 86,887,000 |
| Equity capital | 233,712,000 | 237,475,000 | 242,939,000 | 245,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 19,432,000 | 38,470,000 | 57,338,000 | 75,901,000 |
| Interest expense | 4,925,000 | 9,712,000 | 14,252,000 | 18,409,000 |
| Net interest income | 14,507,000 | 28,758,000 | 43,086,000 | 57,492,000 |
| Noninterest income | 1,610,000 | 2,570,000 | 3,894,000 | 4,963,000 |
| Noninterest expense | 8,875,000 | 18,190,000 | 26,905,000 | 35,425,000 |
| Provision for loan losses | 450,000 | 450,000 | 700,000 | 730,000 |
| Pretax income | 2,102,000 | 1,867,000 | 6,123,000 | 11,578,000 |
| Income tax | 791,000 | 597,000 | 2,728,000 | 4,719,000 |
| Net income | 1,311,000 | 1,270,000 | 3,395,000 | 6,859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 263,760,000 | 263,705,000 | 261,430,000 | 269,354,000 |
| Total capital | 277,748,000 | 276,213,000 | 273,281,000 | 281,452,000 |
| Risk-weighted assets | 1,575,847,000 | 1,542,527,000 | 1,545,404,000 | 1,578,743,000 |