Call reports 2019
SPENCER SAVINGS BANK, SAVINGS AND LOAN ASSOCIATION — 2019
What SPENCER SAVINGS BANK, SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 2,977,099,000 | 3,038,364,000 | 3,034,133,000 | 3,041,795,000 |
| Total loans | 2,269,442,000 | 2,346,956,000 | 2,354,890,000 | 2,396,144,000 |
| Allowance for loan losses | 17,789,000 | 19,052,000 | 19,217,000 | 19,574,000 |
| Securities available for sale | 493,565,000 | 478,739,000 | 431,554,000 | 400,355,000 |
| Securities held to maturity | 23,133,000 | 17,686,000 | 18,620,000 | 10,246,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,119,088,000 | 2,112,420,000 | 2,163,554,000 | 2,186,939,000 |
| Interest-bearing deposits | 1,918,293,000 | 1,904,780,000 | 1,946,521,000 | 1,978,952,000 |
| Noninterest-bearing deposits | 200,795,000 | 207,640,000 | 217,033,000 | 207,987,000 |
| Equity capital | 330,045,000 | 336,760,000 | 341,964,000 | 343,211,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 27,748,000 | 56,136,000 | 84,633,000 | 114,022,000 |
| Interest expense | 9,402,000 | 19,407,000 | 29,593,000 | 39,626,000 |
| Net interest income | 18,346,000 | 36,729,000 | 55,040,000 | 74,396,000 |
| Noninterest income | 978,000 | 2,027,000 | 3,175,000 | 4,757,000 |
| Noninterest expense | 12,737,000 | 25,796,000 | 38,602,000 | 52,317,000 |
| Provision for loan losses | 1,500,000 | 3,000,000 | 4,500,000 | 6,250,000 |
| Pretax income | 5,397,000 | 10,360,000 | 15,801,000 | 21,228,000 |
| Income tax | 1,349,000 | 2,309,000 | 3,408,000 | 4,276,000 |
| Net income | 4,048,000 | 8,051,000 | 12,393,000 | 16,952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 325,316,000 | 329,358,000 | 333,738,000 | 338,336,000 |
| Total capital | 343,105,000 | 348,410,000 | 352,955,000 | 357,910,000 |
| Risk-weighted assets | 2,112,918,000 | 2,161,711,000 | 2,177,790,000 | 2,183,563,000 |