Call reports 2008
FOCUS BUSINESS BANK — 2008
What FOCUS BUSINESS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 68,633,000 | 80,355,000 | 88,208,000 | 94,405,000 |
| Total loans | 40,604,000 | 54,160,000 | 66,753,000 | 70,763,000 |
| Allowance for loan losses | 490,000 | 705,000 | 875,000 | 1,202,000 |
| Securities available for sale | 13,352,000 | 12,724,000 | 10,720,000 | 8,722,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,761,000 | 55,237,000 | 63,067,000 | 69,480,000 |
| Interest-bearing deposits | 31,393,000 | 39,550,000 | 48,813,000 | 51,431,000 |
| Noninterest-bearing deposits | 11,368,000 | 15,687,000 | 14,253,000 | 18,049,000 |
| Equity capital | 25,527,000 | 24,743,000 | 24,662,000 | 24,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 952,000 | 1,844,000 | 2,890,000 | 3,992,000 |
| Interest expense | 229,000 | 424,000 | 682,000 | 945,000 |
| Net interest income | 723,000 | 1,420,000 | 2,208,000 | 3,047,000 |
| Noninterest income | 82,000 | 95,000 | 216,000 | 257,000 |
| Noninterest expense | 1,004,000 | 2,095,000 | 3,129,000 | 4,174,000 |
| Provision for loan losses | 90,000 | 305,000 | 475,000 | 820,000 |
| Pretax income | -289,000 | -885,000 | -1,180,000 | -1,690,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -289,000 | -885,000 | -1,180,000 | -1,690,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,205,000 | 24,715,000 | 24,460,000 | 24,064,000 |
| Total capital | 25,705,000 | 25,445,000 | 25,370,000 | 25,082,000 |
| Risk-weighted assets | 52,447,000 | 66,870,000 | 77,161,000 | 81,244,000 |
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