Call reports 2001
SPECTRA BANK — 2001
What SPECTRA BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 30,237,000 | 31,537,000 | 33,593,000 | 34,491,000 |
| Total loans | 22,224,000 | 21,908,000 | 20,975,000 | 21,849,000 |
| Allowance for loan losses | 235,000 | 244,000 | 225,000 | 226,000 |
| Securities available for sale | 2,754,000 | 2,258,000 | 2,258,000 | 4,210,000 |
| Securities held to maturity | 329,000 | 327,000 | 265,000 | 1,695,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,018,000 | 28,719,000 | 30,728,000 | 31,605,000 |
| Interest-bearing deposits | 14,442,000 | 14,809,000 | 15,025,000 | 16,551,000 |
| Noninterest-bearing deposits | 12,576,000 | 13,910,000 | 15,703,000 | 15,054,000 |
| Equity capital | 2,826,000 | 2,720,000 | 2,754,000 | 2,703,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 598,000 | 1,172,000 | 1,740,000 | 2,274,000 |
| Interest expense | 158,000 | 302,000 | 436,000 | 550,000 |
| Net interest income | 440,000 | 870,000 | 1,304,000 | 1,724,000 |
| Noninterest income | 140,000 | 288,000 | 452,000 | 626,000 |
| Noninterest expense | 398,000 | 797,000 | 1,207,000 | 1,675,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 182,000 | 361,000 | 549,000 | 675,000 |
| Income tax | 134,000 | 134,000 | 134,000 | 134,000 |
| Net income | 48,000 | 227,000 | 415,000 | 541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,793,000 | 2,682,000 | 2,717,000 | 2,745,000 |
| Total capital | 3,028,000 | 2,926,000 | 2,942,000 | 2,971,000 |
| Risk-weighted assets | 22,679,000 | 22,389,000 | 22,276,000 | 23,994,000 |