Call reports 2017
SPENCER SAVINGS BANK, SAVINGS AND LOAN ASSOCIATION — 2017
What SPENCER SAVINGS BANK, SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 2,601,979,000 | 2,626,222,000 | 2,688,571,000 | 2,722,998,000 |
| Total loans | 1,900,838,000 | 1,901,069,000 | 1,976,492,000 | 2,016,079,000 |
| Allowance for loan losses | 14,374,000 | 14,371,000 | 14,892,000 | 14,494,000 |
| Securities available for sale | 499,619,000 | 516,145,000 | 511,283,000 | 523,395,000 |
| Securities held to maturity | 21,848,000 | 16,746,000 | 21,640,000 | 15,043,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,847,198,000 | 1,881,975,000 | 1,936,172,000 | 1,959,761,000 |
| Interest-bearing deposits | 1,700,022,000 | 1,713,965,000 | 1,759,523,000 | 1,779,533,000 |
| Noninterest-bearing deposits | 147,176,000 | 168,010,000 | 176,649,000 | 180,228,000 |
| Equity capital | 302,479,000 | 307,232,000 | 310,833,000 | 304,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 22,001,000 | 44,477,000 | 66,638,000 | 90,162,000 |
| Interest expense | 5,217,000 | 10,701,000 | 16,449,000 | 22,490,000 |
| Net interest income | 16,784,000 | 33,776,000 | 50,189,000 | 67,672,000 |
| Noninterest income | 1,261,000 | 3,043,000 | 3,992,000 | 4,933,000 |
| Noninterest expense | 11,784,000 | 24,123,000 | 36,235,000 | 48,854,000 |
| Provision for loan losses | 0 | 0 | 500,000 | 0 |
| Pretax income | 6,297,000 | 12,949,000 | 17,610,000 | 24,169,000 |
| Income tax | 2,261,000 | 4,666,000 | 6,203,000 | 18,273,000 |
| Net income | 4,036,000 | 8,283,000 | 11,407,000 | 5,896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 303,898,000 | 308,167,000 | 311,346,000 | 309,277,000 |
| Total capital | 318,272,000 | 322,538,000 | 326,238,000 | 323,771,000 |
| Risk-weighted assets | 1,865,381,000 | 1,856,529,000 | 1,886,147,000 | 1,912,004,000 |