Call reports 2011
SPECTRA BANK — 2011
What SPECTRA BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 42,563,000 | 41,575,000 | 42,307,000 | 44,403,000 |
| Total loans | 28,294,000 | 28,463,000 | 27,631,000 | 26,891,000 |
| Allowance for loan losses | 434,000 | 436,000 | 438,000 | 434,000 |
| Securities available for sale | 23,000 | 22,000 | 22,000 | 21,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,574,000 | 36,502,000 | 37,065,000 | 39,031,000 |
| Interest-bearing deposits | 19,424,000 | 18,210,000 | 18,476,000 | 19,190,000 |
| Noninterest-bearing deposits | 18,150,000 | 18,292,000 | 18,589,000 | 19,841,000 |
| Equity capital | 4,398,000 | 4,483,000 | 4,628,000 | 4,821,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 448,000 | 895,000 | 1,338,000 | 1,765,000 |
| Interest expense | 33,000 | 63,000 | 91,000 | 117,000 |
| Net interest income | 415,000 | 832,000 | 1,247,000 | 1,648,000 |
| Noninterest income | 266,000 | 536,000 | 815,000 | 1,107,000 |
| Noninterest expense | 561,000 | 1,158,000 | 1,696,000 | 2,216,000 |
| Provision for loan losses | 0 | 5,000 | 5,000 | 5,000 |
| Pretax income | 120,000 | 205,000 | 361,000 | 534,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 120,000 | 205,000 | 361,000 | 534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,398,000 | 4,483,000 | 4,629,000 | 4,821,000 |
| Total capital | 4,778,000 | 4,841,000 | 5,067,000 | 5,188,000 |
| Risk-weighted assets | 30,313,000 | 28,533,000 | 37,578,000 | 29,255,000 |