Call reports 2012
SPECTRA BANK — 2012
What SPECTRA BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 46,899,000 | 44,511,000 | 45,453,000 | 42,193,000 |
| Total loans | 27,944,000 | 25,998,000 | 27,857,000 | 25,484,000 |
| Allowance for loan losses | 434,000 | 415,000 | 420,000 | 421,000 |
| Securities available for sale | 21,000 | 20,000 | 19,000 | 19,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,514,000 | 38,955,000 | 39,754,000 | 36,407,000 |
| Interest-bearing deposits | 19,682,000 | 19,124,000 | 20,129,000 | 18,707,000 |
| Noninterest-bearing deposits | 21,832,000 | 19,831,000 | 19,625,000 | 17,700,000 |
| Equity capital | 4,833,000 | 4,968,000 | 5,094,000 | 5,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 421,000 | 828,000 | 1,236,000 | 1,636,000 |
| Interest expense | 24,000 | 47,000 | 69,000 | 91,000 |
| Net interest income | 397,000 | 781,000 | 1,167,000 | 1,545,000 |
| Noninterest income | 269,000 | 547,000 | 836,000 | 1,143,000 |
| Noninterest expense | 506,000 | 1,021,000 | 1,534,000 | 2,055,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 25,000 |
| Pretax income | 160,000 | 307,000 | 444,000 | 608,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 160,000 | 307,000 | 444,000 | 608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,833,000 | 4,968,000 | 5,094,000 | 5,246,000 |
| Total capital | 5,217,000 | 5,314,000 | 5,475,000 | 5,598,000 |
| Risk-weighted assets | 30,632,000 | 27,580,000 | 30,417,000 | 28,106,000 |