Call reports 2010
FOCUS BUSINESS BANK — 2010
What FOCUS BUSINESS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 115,667,000 | 122,832,000 | 123,239,000 | 131,898,000 |
| Total loans | 70,707,000 | 71,674,000 | 68,509,000 | 66,525,000 |
| Allowance for loan losses | 2,431,000 | 2,432,000 | 2,656,000 | 2,541,000 |
| Securities available for sale | 21,456,000 | 26,493,000 | 27,873,000 | 29,994,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,695,000 | 100,937,000 | 100,440,000 | 109,806,000 |
| Interest-bearing deposits | 63,194,000 | 71,930,000 | 72,934,000 | 77,824,000 |
| Noninterest-bearing deposits | 27,500,000 | 29,007,000 | 27,506,000 | 31,982,000 |
| Equity capital | 21,015,000 | 21,248,000 | 21,382,000 | 21,491,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,126,000 | 2,186,000 | 3,329,000 | 4,419,000 |
| Interest expense | 171,000 | 310,000 | 444,000 | 564,000 |
| Net interest income | 955,000 | 1,876,000 | 2,885,000 | 3,855,000 |
| Noninterest income | 38,000 | 311,000 | 351,000 | 448,000 |
| Noninterest expense | 1,225,000 | 2,394,000 | 3,551,000 | 4,722,000 |
| Provision for loan losses | 75,000 | 75,000 | -75,000 | -200,000 |
| Pretax income | -307,000 | -275,000 | -224,000 | -203,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -307,000 | -275,000 | -224,000 | -203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,729,000 | 20,807,000 | 20,995,000 | 21,139,000 |
| Total capital | 21,737,000 | 21,864,000 | 22,003,000 | 22,131,000 |
| Risk-weighted assets | 79,157,000 | 83,148,000 | 78,911,000 | 77,763,000 |