Call reports 2016
SPECTRA BANK — 2016
What SPECTRA BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 54,554,000 | 54,996,000 | 54,469,000 | 54,095,000 |
| Total loans | 32,530,000 | 33,385,000 | 34,421,000 | 33,448,000 |
| Allowance for loan losses | 469,000 | 469,000 | 468,000 | 468,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,105,000 | 5,108,000 | 2,146,000 | 2,147,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,170,000 | 48,458,000 | 47,724,000 | 47,244,000 |
| Interest-bearing deposits | 24,032,000 | 23,623,000 | 23,368,000 | 23,787,000 |
| Noninterest-bearing deposits | 24,138,000 | 24,835,000 | 24,356,000 | 23,457,000 |
| Equity capital | 5,342,000 | 5,495,000 | 5,711,000 | 5,891,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 461,000 | 929,000 | 1,433,000 | 1,905,000 |
| Interest expense | 27,000 | 54,000 | 80,000 | 107,000 |
| Net interest income | 434,000 | 875,000 | 1,353,000 | 1,798,000 |
| Noninterest income | 258,000 | 521,000 | 785,000 | 1,051,000 |
| Noninterest expense | 571,000 | 1,122,000 | 1,685,000 | 2,216,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 128,000 | 281,000 | 497,000 | 677,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 128,000 | 281,000 | 497,000 | 677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,342,000 | 5,495,000 | 5,711,000 | 5,891,000 |
| Total capital | 5,811,000 | 5,964,000 | 6,179,000 | 6,359,000 |
| Risk-weighted assets | 39,061,000 | 39,809,000 | 39,574,000 | 39,083,000 |