Call reports 2015
SPECTRA BANK — 2015
What SPECTRA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 48,874,000 | 50,314,000 | 50,567,000 | 51,762,000 |
| Total loans | 28,478,000 | 30,423,000 | 31,348,000 | 31,725,000 |
| Allowance for loan losses | 425,000 | 443,000 | 465,000 | 466,000 |
| Securities available for sale | 0 | 0 | 5,000,000 | 0 |
| Securities held to maturity | 4,919,000 | 4,922,000 | 4,926,000 | 4,930,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,578,000 | 43,535,000 | 43,626,000 | 44,831,000 |
| Interest-bearing deposits | 20,374,000 | 20,759,000 | 23,067,000 | 23,694,000 |
| Noninterest-bearing deposits | 22,204,000 | 22,776,000 | 20,559,000 | 21,137,000 |
| Equity capital | 5,768,000 | 5,656,000 | 5,750,000 | 5,879,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 413,000 | 827,000 | 1,253,000 | 1,721,000 |
| Interest expense | 21,000 | 43,000 | 66,000 | 93,000 |
| Net interest income | 392,000 | 784,000 | 1,187,000 | 1,628,000 |
| Noninterest income | 254,000 | 517,000 | 796,000 | 1,069,000 |
| Noninterest expense | 478,000 | 970,000 | 1,513,000 | 2,053,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 20,000 |
| Pretax income | 169,000 | 312,000 | 451,000 | 625,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 169,000 | 312,000 | 451,000 | 625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,768,000 | 5,656,000 | 5,750,000 | 5,879,000 |
| Total capital | 6,162,000 | 6,095,000 | 6,188,000 | 6,345,000 |
| Risk-weighted assets | 31,557,000 | 35,140,000 | 35,075,000 | 37,794,000 |