Call reports 2015
FOCUS BUSINESS BANK — 2015
What FOCUS BUSINESS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Total assets | 397,105,000 | 407,630,000 |
| Total loans | 180,707,000 | 189,200,000 |
| Allowance for loan losses | 2,730,000 | 2,730,000 |
| Securities available for sale | 44,862,000 | 41,345,000 |
| Securities held to maturity | 23,111,000 | 22,993,000 |
| Trading assets | 0 | 0 |
| Total deposits | 367,160,000 | 377,345,000 |
| Interest-bearing deposits | 259,598,000 | 261,268,000 |
| Noninterest-bearing deposits | 107,562,000 | 116,077,000 |
| Equity capital | 29,092,000 | 29,114,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Interest income | 2,625,000 | 5,180,000 |
| Interest expense | 152,000 | 306,000 |
| Net interest income | 2,473,000 | 4,874,000 |
| Noninterest income | 1,191,000 | 1,632,000 |
| Noninterest expense | 2,934,000 | 5,768,000 |
| Provision for loan losses | 50,000 | 50,000 |
| Pretax income | 682,000 | 690,000 |
| Income tax | 279,000 | 330,000 |
| Net income | 403,000 | 360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Tier 1 capital | 28,976,000 | 28,977,000 |
| Total capital | 31,565,000 | 31,602,000 |
| Risk-weighted assets | 205,092,000 | 212,921,000 |