Call reports 2014
SPENCER SAVINGS BANK, SAVINGS AND LOAN ASSOCIATION — 2014
What SPENCER SAVINGS BANK, SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 2,013,651,000 | 2,067,811,000 | 2,075,454,000 | 2,435,612,000 |
| Total loans | 1,413,660,000 | 1,451,068,000 | 1,446,141,000 | 1,771,036,000 |
| Allowance for loan losses | 14,006,000 | 14,065,000 | 13,756,000 | 13,514,000 |
| Securities available for sale | 465,176,000 | 475,054,000 | 477,074,000 | 476,310,000 |
| Securities held to maturity | 7,050,000 | 12,806,000 | 12,799,000 | 11,334,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,407,551,000 | 1,399,418,000 | 1,420,668,000 | 1,747,193,000 |
| Interest-bearing deposits | 1,311,114,000 | 1,296,611,000 | 1,314,968,000 | 1,620,847,000 |
| Noninterest-bearing deposits | 96,437,000 | 102,807,000 | 105,700,000 | 126,346,000 |
| Equity capital | 270,861,000 | 276,414,000 | 279,844,000 | 269,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 17,694,000 | 35,462,000 | 53,771,000 | 72,843,000 |
| Interest expense | 3,907,000 | 7,968,000 | 12,268,000 | 16,666,000 |
| Net interest income | 13,787,000 | 27,494,000 | 41,503,000 | 56,177,000 |
| Noninterest income | 712,000 | 1,169,000 | 2,240,000 | 3,127,000 |
| Noninterest expense | 9,295,000 | 18,397,000 | 28,295,000 | 41,939,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,441,000 | 8,032,000 | 12,255,000 | 14,093,000 |
| Income tax | 1,733,000 | 2,601,000 | 3,991,000 | 4,272,000 |
| Net income | 2,708,000 | 5,431,000 | 8,264,000 | 9,821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 281,876,000 | 284,617,000 | 287,325,000 | 272,642,000 |
| Total capital | 295,882,000 | 298,682,000 | 301,081,000 | 286,156,000 |
| Risk-weighted assets | 1,660,772,000 | 1,670,667,000 | 1,696,777,000 | 1,941,717,000 |
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