Call reports 2012
FOCUS BUSINESS BANK — 2012
What FOCUS BUSINESS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 162,542,000 | 167,746,000 | 189,612,000 | 213,432,000 |
| Total loans | 101,233,000 | 112,564,000 | 114,190,000 | 119,416,000 |
| Allowance for loan losses | 2,541,000 | 2,541,000 | 2,544,000 | 2,545,000 |
| Securities available for sale | 26,244,000 | 24,045,000 | 24,803,000 | 29,368,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,894,000 | 143,682,000 | 163,100,000 | 186,359,000 |
| Interest-bearing deposits | 84,288,000 | 96,216,000 | 107,451,000 | 123,214,000 |
| Noninterest-bearing deposits | 54,606,000 | 47,466,000 | 55,649,000 | 63,145,000 |
| Equity capital | 22,996,000 | 23,256,000 | 25,791,000 | 26,195,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,527,000 | 3,127,000 | 4,762,000 | 6,531,000 |
| Interest expense | 95,000 | 201,000 | 319,000 | 442,000 |
| Net interest income | 1,432,000 | 2,926,000 | 4,443,000 | 6,089,000 |
| Noninterest income | 201,000 | 423,000 | 710,000 | 1,136,000 |
| Noninterest expense | 1,360,000 | 2,794,000 | 4,271,000 | 5,963,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 273,000 | 582,000 | 909,000 | 1,284,000 |
| Income tax | 30,000 | 75,000 | -2,158,000 | -2,174,000 |
| Net income | 243,000 | 507,000 | 3,067,000 | 3,458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,380,000 | 22,614,000 | 23,948,000 | 24,178,000 |
| Total capital | 23,887,000 | 24,257,000 | 25,655,000 | 25,986,000 |
| Risk-weighted assets | 119,505,000 | 130,457,000 | 135,681,000 | 143,809,000 |