Call reports 2015
SPENCER SAVINGS BANK, SAVINGS AND LOAN ASSOCIATION — 2015
What SPENCER SAVINGS BANK, SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 2,461,881,000 | 2,517,192,000 | 2,531,958,000 | 2,540,709,000 |
| Total loans | 1,752,275,000 | 1,821,609,000 | 1,831,361,000 | 1,849,652,000 |
| Allowance for loan losses | 13,428,000 | 13,382,000 | 14,295,000 | 14,478,000 |
| Securities available for sale | 491,621,000 | 504,055,000 | 508,667,000 | 497,444,000 |
| Securities held to maturity | 13,266,000 | 13,182,000 | 13,179,000 | 13,174,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,769,788,000 | 1,768,020,000 | 1,770,823,000 | 1,782,965,000 |
| Interest-bearing deposits | 1,647,050,000 | 1,645,174,000 | 1,648,411,000 | 1,654,923,000 |
| Noninterest-bearing deposits | 122,738,000 | 122,846,000 | 122,412,000 | 128,042,000 |
| Equity capital | 275,240,000 | 278,974,000 | 281,857,000 | 282,114,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 20,702,000 | 41,487,000 | 62,815,000 | 84,103,000 |
| Interest expense | 4,765,000 | 9,743,000 | 15,060,000 | 20,520,000 |
| Net interest income | 15,937,000 | 31,744,000 | 47,755,000 | 63,583,000 |
| Noninterest income | 716,000 | 1,979,000 | 2,664,000 | 3,874,000 |
| Noninterest expense | 11,033,000 | 22,171,000 | 33,226,000 | 45,887,000 |
| Provision for loan losses | 0 | 0 | 1,000,000 | 1,650,000 |
| Pretax income | 5,076,000 | 10,506,000 | 15,146,000 | 18,795,000 |
| Income tax | 1,651,000 | 2,900,000 | 4,339,000 | 5,585,000 |
| Net income | 3,425,000 | 7,606,000 | 10,807,000 | 13,210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 277,212,000 | 281,409,000 | 283,952,000 | 286,227,000 |
| Total capital | 290,640,000 | 294,791,000 | 298,247,000 | 300,705,000 |
| Risk-weighted assets | 1,881,745,000 | 1,932,125,000 | 1,919,030,000 | 1,903,253,000 |