Call reports 2013
FOCUS BUSINESS BANK — 2013
What FOCUS BUSINESS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 233,424,000 | 260,671,000 | 280,911,000 | 312,659,000 |
| Total loans | 115,717,000 | 119,907,000 | 134,316,000 | 140,342,000 |
| Allowance for loan losses | 2,545,000 | 2,546,000 | 2,547,000 | 2,547,000 |
| Securities available for sale | 34,625,000 | 40,400,000 | 46,628,000 | 57,366,000 |
| Securities held to maturity | 0 | 0 | 973,000 | 5,927,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,298,000 | 233,382,000 | 253,489,000 | 285,014,000 |
| Interest-bearing deposits | 146,657,000 | 163,098,000 | 172,509,000 | 190,354,000 |
| Noninterest-bearing deposits | 59,641,000 | 70,284,000 | 80,980,000 | 94,660,000 |
| Equity capital | 26,352,000 | 26,196,000 | 26,387,000 | 26,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,698,000 | 3,492,000 | 5,378,000 | 7,445,000 |
| Interest expense | 135,000 | 297,000 | 467,000 | 642,000 |
| Net interest income | 1,563,000 | 3,195,000 | 4,911,000 | 6,803,000 |
| Noninterest income | 269,000 | 596,000 | 1,043,000 | 1,569,000 |
| Noninterest expense | 1,605,000 | 3,307,000 | 5,161,000 | 7,014,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 227,000 | 484,000 | 793,000 | 1,367,000 |
| Income tax | 76,000 | 171,000 | 238,000 | 498,000 |
| Net income | 151,000 | 313,000 | 555,000 | 869,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,366,000 | 24,614,000 | 24,661,000 | 25,057,000 |
| Total capital | 26,180,000 | 26,579,000 | 26,861,000 | 27,367,000 |
| Risk-weighted assets | 144,343,000 | 156,566,000 | 175,602,000 | 184,473,000 |