Call reports 2007
FOCUS BUSINESS BANK — 2007
What FOCUS BUSINESS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 48,681,000 | 51,872,000 | 64,022,000 | 70,851,000 |
| Total loans | 845,000 | 11,381,000 | 20,041,000 | 33,601,000 |
| Allowance for loan losses | 10,000 | 130,000 | 242,000 | 400,000 |
| Securities available for sale | 0 | 0 | 0 | 14,942,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,100,000 | 25,557,000 | 38,004,000 | 45,039,000 |
| Interest-bearing deposits | 19,090,000 | 20,411,000 | 33,339,000 | 33,299,000 |
| Noninterest-bearing deposits | 3,010,000 | 5,146,000 | 4,665,000 | 11,740,000 |
| Equity capital | 26,402,000 | 26,115,000 | 25,775,000 | 25,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 377,000 | 1,097,000 | 1,939,000 | 2,904,000 |
| Interest expense | 65,000 | 271,000 | 532,000 | 805,000 |
| Net interest income | 312,000 | 826,000 | 1,407,000 | 2,099,000 |
| Noninterest income | -3,000 | 95,000 | 116,000 | 119,000 |
| Noninterest expense | 1,518,000 | 2,376,000 | 3,287,000 | 4,235,000 |
| Provision for loan losses | 10,000 | 130,000 | 242,000 | 400,000 |
| Pretax income | -1,219,000 | -1,585,000 | -2,006,000 | -2,417,000 |
| Income tax | 1,000 | 0 | 0 | 0 |
| Net income | -1,220,000 | -1,585,000 | -2,006,000 | -2,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,402,000 | 26,102,000 | 25,758,000 | 25,432,000 |
| Total capital | 26,412,000 | 26,232,000 | 26,000,000 | 25,842,000 |
| Risk-weighted assets | 11,130,000 | 22,342,000 | 33,152,000 | 46,726,000 |
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