Call reports 2016
SPENCER SAVINGS BANK, SAVINGS AND LOAN ASSOCIATION — 2016
What SPENCER SAVINGS BANK, SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 2,572,352,000 | 2,555,822,000 | 2,585,204,000 | 2,609,703,000 |
| Total loans | 1,861,234,000 | 1,853,573,000 | 1,861,449,000 | 1,909,290,000 |
| Allowance for loan losses | 14,305,000 | 14,318,000 | 14,329,000 | 14,229,000 |
| Securities available for sale | 497,990,000 | 499,056,000 | 506,544,000 | 498,139,000 |
| Securities held to maturity | 16,554,000 | 16,471,000 | 16,675,000 | 21,845,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,821,331,000 | 1,809,004,000 | 1,834,161,000 | 1,831,466,000 |
| Interest-bearing deposits | 1,684,272,000 | 1,669,905,000 | 1,689,734,000 | 1,686,464,000 |
| Noninterest-bearing deposits | 137,059,000 | 139,099,000 | 144,427,000 | 145,002,000 |
| Equity capital | 285,050,000 | 289,978,000 | 295,050,000 | 296,881,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 21,124,000 | 42,834,000 | 64,143,000 | 85,329,000 |
| Interest expense | 5,491,000 | 10,854,000 | 16,076,000 | 21,348,000 |
| Net interest income | 15,633,000 | 31,980,000 | 48,067,000 | 63,981,000 |
| Noninterest income | 1,283,000 | 2,340,000 | 3,619,000 | 4,738,000 |
| Noninterest expense | 11,636,000 | 23,390,000 | 34,880,000 | 47,359,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 5,412,000 | 11,212,000 | 16,970,000 | 21,528,000 |
| Income tax | 1,589,000 | 3,351,000 | 5,365,000 | 8,125,000 |
| Net income | 3,823,000 | 7,861,000 | 11,605,000 | 13,403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 290,095,000 | 294,307,000 | 298,120,000 | 300,026,000 |
| Total capital | 304,400,000 | 308,625,000 | 312,449,000 | 314,254,000 |
| Risk-weighted assets | 1,901,489,000 | 1,882,161,000 | 1,874,070,000 | 1,895,787,000 |