Call reports 2014
FOCUS BUSINESS BANK — 2014
What FOCUS BUSINESS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 335,986,000 | 369,426,000 | 407,051,000 | 391,283,000 |
| Total loans | 149,900,000 | 145,647,000 | 168,606,000 | 182,410,000 |
| Allowance for loan losses | 2,523,000 | 2,527,000 | 2,578,000 | 2,679,000 |
| Securities available for sale | 57,427,000 | 71,948,000 | 68,624,000 | 47,877,000 |
| Securities held to maturity | 14,826,000 | 23,433,000 | 23,323,000 | 23,210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,881,000 | 340,429,000 | 377,306,000 | 361,310,000 |
| Interest-bearing deposits | 219,161,000 | 244,216,000 | 272,552,000 | 266,408,000 |
| Noninterest-bearing deposits | 88,720,000 | 96,213,000 | 104,754,000 | 94,902,000 |
| Equity capital | 27,113,000 | 27,809,000 | 28,114,000 | 28,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,206,000 | 4,507,000 | 6,823,000 | 9,432,000 |
| Interest expense | 183,000 | 366,000 | 523,000 | 686,000 |
| Net interest income | 2,023,000 | 4,141,000 | 6,300,000 | 8,746,000 |
| Noninterest income | 512,000 | 1,023,000 | 1,489,000 | 1,798,000 |
| Noninterest expense | 2,048,000 | 4,098,000 | 6,296,000 | 8,546,000 |
| Provision for loan losses | 100,000 | 175,000 | 200,000 | 300,000 |
| Pretax income | 400,000 | 911,000 | 1,356,000 | 1,823,000 |
| Income tax | 147,000 | 346,000 | 519,000 | 666,000 |
| Net income | 253,000 | 565,000 | 837,000 | 1,157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,303,000 | 25,873,000 | 27,550,000 | 28,254,000 |
| Total capital | 27,858,000 | 28,460,000 | 30,013,000 | 30,880,000 |
| Risk-weighted assets | 204,399,000 | 207,340,000 | 196,890,000 | 209,967,000 |
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