Call reports 2022
SPENCER SAVINGS BANK, SAVINGS AND LOAN ASSOCIATION — 2022
What SPENCER SAVINGS BANK, SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 3,936,365,000 | 3,744,415,000 | 3,694,232,000 | 3,812,457,000 |
| Total loans | 2,972,547,000 | 2,986,603,000 | 3,039,513,000 | 3,155,876,000 |
| Allowance for loan losses | 27,423,000 | 28,060,000 | 28,709,000 | 30,188,000 |
| Securities available for sale | 391,325,000 | 413,952,000 | 387,380,000 | 382,739,000 |
| Securities held to maturity | 31,129,000 | 29,054,000 | 28,593,000 | 15,482,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,321,649,000 | 3,139,078,000 | 2,989,390,000 | 2,924,702,000 |
| Interest-bearing deposits | 2,862,484,000 | 2,691,852,000 | 2,537,720,000 | 2,461,664,000 |
| Noninterest-bearing deposits | 459,165,000 | 447,226,000 | 451,670,000 | 463,038,000 |
| Equity capital | 384,684,000 | 385,190,000 | 386,367,000 | 402,360,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 30,668,000 | 63,038,000 | 99,569,000 | 136,588,000 |
| Interest expense | 4,193,000 | 8,175,000 | 13,011,000 | 22,671,000 |
| Net interest income | 26,475,000 | 54,863,000 | 86,558,000 | 113,917,000 |
| Noninterest income | 1,298,000 | 2,557,000 | 3,651,000 | 5,965,000 |
| Noninterest expense | 18,457,000 | 35,507,000 | 52,726,000 | 72,420,000 |
| Provision for loan losses | 0 | 1,066,000 | 1,774,000 | 3,511,000 |
| Pretax income | 9,579,000 | 20,236,000 | 35,012,000 | 43,117,000 |
| Income tax | 2,763,000 | 5,837,000 | 10,197,000 | 12,412,000 |
| Net income | 6,816,000 | 14,399,000 | 24,815,000 | 30,705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 366,184,000 | 373,826,000 | 384,302,000 | 390,122,000 |
| Total capital | 393,607,000 | 401,886,000 | 413,011,000 | 420,310,000 |
| Risk-weighted assets | 2,630,967,000 | 2,543,701,000 | 2,559,454,000 | 2,708,234,000 |