Call reports 2025
SPENCER SAVINGS BANK, SAVINGS AND LOAN ASSOCIATION — 2025
What SPENCER SAVINGS BANK, SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 4,063,494,000 | 3,982,331,000 | 3,997,018,000 | 4,038,203,000 |
| Total loans | 3,178,341,000 | 3,186,335,000 | 3,236,291,000 | 3,259,767,000 |
| Allowance for loan losses | 27,937,000 | 27,993,000 | 27,758,000 | 27,377,000 |
| Securities available for sale | 471,478,000 | 475,727,000 | 456,796,000 | 450,366,000 |
| Securities held to maturity | 29,090,000 | 38,602,000 | 36,386,000 | 43,196,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,147,363,000 | 3,085,118,000 | 3,067,014,000 | 3,149,641,000 |
| Interest-bearing deposits | 2,799,802,000 | 2,738,762,000 | 2,728,709,000 | 2,815,439,000 |
| Noninterest-bearing deposits | 347,561,000 | 346,356,000 | 338,305,000 | 334,202,000 |
| Equity capital | 447,065,000 | 453,624,000 | 459,590,000 | 467,973,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 45,664,000 | 92,496,000 | 138,406,000 | 185,753,000 |
| Interest expense | 24,663,000 | 48,231,000 | 71,122,000 | 93,570,000 |
| Net interest income | 21,001,000 | 44,265,000 | 67,284,000 | 92,183,000 |
| Noninterest income | 1,855,000 | 3,476,000 | 5,134,000 | 6,831,000 |
| Noninterest expense | 17,415,000 | 35,934,000 | 55,396,000 | 75,208,000 |
| Provision for loan losses | 0 | 0 | 0 | 500,000 |
| Pretax income | 5,613,000 | 12,217,000 | 17,722,000 | 23,658,000 |
| Income tax | 1,345,000 | 2,898,000 | 4,198,000 | 5,793,000 |
| Net income | 4,268,000 | 9,319,000 | 13,524,000 | 17,865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 425,294,000 | 430,384,000 | 434,625,000 | 438,623,000 |
| Total capital | 453,878,000 | 459,023,000 | 463,030,000 | 466,862,000 |
| Risk-weighted assets | 2,607,932,000 | 2,604,723,000 | 2,620,572,000 | 2,628,960,000 |