Call reports 2009
SPECTRA BANK — 2009
What SPECTRA BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 40,405,000 | 43,898,000 | 43,594,000 | 44,774,000 |
| Total loans | 29,037,000 | 30,425,000 | 29,881,000 | 27,944,000 |
| Allowance for loan losses | 222,000 | 217,000 | 211,000 | 200,000 |
| Securities available for sale | 27,000 | 27,000 | 26,000 | 26,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,517,000 | 37,878,000 | 38,007,000 | 39,362,000 |
| Interest-bearing deposits | 19,495,000 | 21,143,000 | 21,201,000 | 21,461,000 |
| Noninterest-bearing deposits | 15,022,000 | 16,735,000 | 16,806,000 | 17,901,000 |
| Equity capital | 5,234,000 | 5,384,000 | 4,925,000 | 4,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 505,000 | 1,065,000 | 1,600,000 | 2,089,000 |
| Interest expense | 77,000 | 145,000 | 203,000 | 255,000 |
| Net interest income | 428,000 | 920,000 | 1,397,000 | 1,834,000 |
| Noninterest income | 266,000 | 619,000 | 989,000 | 1,319,000 |
| Noninterest expense | 668,000 | 1,363,000 | 2,669,000 | 3,529,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 26,000 | 176,000 | -283,000 | -376,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 26,000 | 176,000 | -283,000 | -376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,234,000 | 5,385,000 | 4,926,000 | 4,833,000 |
| Total capital | 5,456,000 | 5,602,000 | 5,137,000 | 5,033,000 |
| Risk-weighted assets | 31,019,000 | 30,858,000 | 31,608,000 | 30,517,000 |