Call reports 2013
SPENCER SAVINGS BANK, SAVINGS AND LOAN ASSOCIATION — 2013
What SPENCER SAVINGS BANK, SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,883,396,000 | 1,883,707,000 | 1,948,103,000 | 1,972,383,000 |
| Total loans | 1,329,429,000 | 1,337,628,000 | 1,384,175,000 | 1,402,614,000 |
| Allowance for loan losses | 12,876,000 | 12,750,000 | 13,077,000 | 14,066,000 |
| Securities available for sale | 407,958,000 | 410,360,000 | 421,887,000 | 438,224,000 |
| Securities held to maturity | 6,956,000 | 1,015,000 | 1,012,000 | 8,612,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,391,264,000 | 1,382,584,000 | 1,392,894,000 | 1,382,286,000 |
| Interest-bearing deposits | 1,301,201,000 | 1,286,839,000 | 1,289,680,000 | 1,285,431,000 |
| Noninterest-bearing deposits | 90,063,000 | 95,745,000 | 103,214,000 | 96,855,000 |
| Equity capital | 249,747,000 | 249,797,000 | 252,251,000 | 266,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 18,229,000 | 36,391,000 | 54,193,000 | 71,917,000 |
| Interest expense | 3,996,000 | 7,923,000 | 11,806,000 | 15,705,000 |
| Net interest income | 14,233,000 | 28,468,000 | 42,387,000 | 56,212,000 |
| Noninterest income | 831,000 | 1,662,000 | 2,497,000 | 2,637,000 |
| Noninterest expense | 9,104,000 | 18,100,000 | 27,355,000 | 36,522,000 |
| Provision for loan losses | 1,028,000 | 1,228,000 | 1,628,000 | 2,828,000 |
| Pretax income | 3,732,000 | 9,323,000 | 12,827,000 | 15,045,000 |
| Income tax | 1,418,000 | 3,460,000 | 5,182,000 | 5,301,000 |
| Net income | 2,314,000 | 5,863,000 | 7,645,000 | 9,744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 271,695,000 | 275,189,000 | 276,903,000 | 279,121,000 |
| Total capital | 284,571,000 | 287,939,000 | 289,980,000 | 293,187,000 |
| Risk-weighted assets | 1,559,541,000 | 1,555,795,000 | 1,581,472,000 | 1,656,403,000 |