Call reports 2007
SPECTRA BANK — 2007
What SPECTRA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 40,742,000 | 40,340,000 | 40,637,000 | 40,604,000 |
| Total loans | 25,992,000 | 29,648,000 | 30,268,000 | 31,520,000 |
| Allowance for loan losses | 235,000 | 236,000 | 236,000 | 233,000 |
| Securities available for sale | 0 | 0 | 998,000 | 0 |
| Securities held to maturity | 2,431,000 | 2,429,000 | 2,426,000 | 2,424,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,348,000 | 34,934,000 | 35,183,000 | 35,220,000 |
| Interest-bearing deposits | 17,682,000 | 18,204,000 | 17,983,000 | 18,961,000 |
| Noninterest-bearing deposits | 17,666,000 | 16,730,000 | 17,200,000 | 16,259,000 |
| Equity capital | 5,234,000 | 5,234,000 | 5,234,000 | 5,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 695,000 | 1,403,000 | 2,175,000 | 2,913,000 |
| Interest expense | 123,000 | 250,000 | 390,000 | 544,000 |
| Net interest income | 572,000 | 1,153,000 | 1,785,000 | 2,369,000 |
| Noninterest income | 244,000 | 482,000 | 772,000 | 1,071,000 |
| Noninterest expense | 579,000 | 1,164,000 | 1,757,000 | 2,422,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 237,000 | 471,000 | 800,000 | 1,018,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 237,000 | 471,000 | 800,000 | 1,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,234,000 | 5,234,000 | 5,234,000 | 5,234,000 |
| Total capital | 5,469,000 | 5,470,000 | 5,470,000 | 5,467,000 |
| Risk-weighted assets | 28,016,000 | 29,488,000 | 31,097,000 | 32,233,000 |