Call reports 2013
SPECTRA BANK — 2013
What SPECTRA BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 41,845,000 | 42,658,000 | 44,146,000 | 40,880,000 |
| Total loans | 24,535,000 | 24,828,000 | 25,984,000 | 27,248,000 |
| Allowance for loan losses | 421,000 | 421,000 | 421,000 | 422,000 |
| Securities available for sale | 18,000 | 18,000 | 18,000 | 17,000 |
| Securities held to maturity | 0 | 0 | 2,081,000 | 2,081,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,247,000 | 37,138,000 | 38,477,000 | 35,131,000 |
| Interest-bearing deposits | 18,561,000 | 18,104,000 | 18,562,000 | 17,335,000 |
| Noninterest-bearing deposits | 17,686,000 | 19,034,000 | 19,915,000 | 17,796,000 |
| Equity capital | 5,049,000 | 4,963,000 | 5,102,000 | 5,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 369,000 | 738,000 | 1,154,000 | 1,564,000 |
| Interest expense | 20,000 | 39,000 | 58,000 | 75,000 |
| Net interest income | 349,000 | 699,000 | 1,096,000 | 1,489,000 |
| Noninterest income | 316,000 | 577,000 | 838,000 | 1,084,000 |
| Noninterest expense | 565,000 | 1,049,000 | 1,557,000 | 2,073,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 100,000 | 227,000 | 377,000 | 500,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 100,000 | 227,000 | 377,000 | 500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,049,000 | 4,963,000 | 5,102,000 | 5,213,000 |
| Total capital | 5,395,000 | 5,285,000 | 5,465,000 | 5,584,000 |
| Risk-weighted assets | 27,566,000 | 25,672,000 | 28,952,000 | 29,593,000 |