Call reports 2025
SPECTRA BANK — 2025
What SPECTRA BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 103,081,000 | 105,092,000 | 106,988,000 | 115,921,000 |
| Total loans | 57,184,000 | 64,041,000 | 68,852,000 | 70,149,000 |
| Allowance for loan losses | 700,000 | 727,000 | 772,000 | 772,000 |
| Securities available for sale | 16,155,000 | 14,319,000 | 14,423,000 | 19,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,275,000 | 94,889,000 | 96,450,000 | 99,171,000 |
| Interest-bearing deposits | 57,927,000 | 58,135,000 | 59,112,000 | 67,980,000 |
| Noninterest-bearing deposits | 35,348,000 | 36,754,000 | 37,338,000 | 31,191,000 |
| Equity capital | 8,949,000 | 9,352,000 | 9,747,000 | 9,936,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,256,000 | 2,734,000 | 4,331,000 | 5,944,000 |
| Interest expense | 673,000 | 1,300,000 | 1,914,000 | 2,574,000 |
| Net interest income | 583,000 | 1,434,000 | 2,417,000 | 3,370,000 |
| Noninterest income | 516,000 | 928,000 | 1,322,000 | 1,703,000 |
| Noninterest expense | 1,027,000 | 2,033,000 | 3,116,000 | 4,366,000 |
| Provision for loan losses | 0 | 27,000 | 72,000 | 72,000 |
| Pretax income | 72,000 | 302,000 | 581,000 | 665,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 72,000 | 302,000 | 581,000 | 665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,125,000 | 10,355,000 | 10,635,000 | 10,720,000 |