Call reports 2018
SPENCER SAVINGS BANK, SAVINGS AND LOAN ASSOCIATION — 2018
What SPENCER SAVINGS BANK, SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 2,778,550,000 | 2,829,316,000 | 2,827,131,000 | 2,947,705,000 |
| Total loans | 2,059,668,000 | 2,107,566,000 | 2,112,552,000 | 2,240,300,000 |
| Allowance for loan losses | 14,494,000 | 14,455,000 | 14,429,000 | 16,280,000 |
| Securities available for sale | 521,752,000 | 516,626,000 | 519,145,000 | 504,404,000 |
| Securities held to maturity | 14,617,000 | 17,455,000 | 14,123,000 | 22,492,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,029,034,000 | 2,033,612,000 | 2,069,220,000 | 2,066,487,000 |
| Interest-bearing deposits | 1,839,595,000 | 1,838,208,000 | 1,873,736,000 | 1,867,812,000 |
| Noninterest-bearing deposits | 189,439,000 | 195,404,000 | 195,484,000 | 198,675,000 |
| Equity capital | 307,199,000 | 311,200,000 | 315,290,000 | 323,195,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 23,948,000 | 48,413,000 | 74,168,000 | 101,657,000 |
| Interest expense | 6,146,000 | 12,777,000 | 20,331,000 | 28,807,000 |
| Net interest income | 17,802,000 | 35,636,000 | 53,837,000 | 72,850,000 |
| Noninterest income | 1,026,000 | 2,130,000 | 3,211,000 | 4,439,000 |
| Noninterest expense | 13,706,000 | 27,035,000 | 39,781,000 | 53,489,000 |
| Provision for loan losses | 0 | 0 | 0 | 2,000,000 |
| Pretax income | 4,897,000 | 10,506,000 | 16,582,000 | 21,076,000 |
| Income tax | 1,093,000 | 2,624,000 | 4,211,000 | 5,991,000 |
| Net income | 3,804,000 | 7,882,000 | 12,371,000 | 15,085,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 310,060,000 | 314,175,000 | 318,706,000 | 321,225,000 |
| Total capital | 324,554,000 | 328,630,000 | 333,135,000 | 337,505,000 |
| Risk-weighted assets | 2,004,450,000 | 1,971,642,000 | 1,974,742,000 | 2,082,691,000 |