Call reports 2001
FOCUS BANK — 2001
What FOCUS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 96,494,000 | 96,105,000 | 101,103,000 | 104,925,000 |
| Total loans | 65,893,000 | 77,137,000 | 74,440,000 | 74,540,000 |
| Allowance for loan losses | 726,000 | 714,000 | 764,000 | 994,000 |
| Securities available for sale | 12,828,000 | 11,467,000 | 10,335,000 | 6,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,321,000 | 87,507,000 | 91,505,000 | 94,993,000 |
| Interest-bearing deposits | 79,941,000 | 78,646,000 | 80,225,000 | 83,187,000 |
| Noninterest-bearing deposits | 8,380,000 | 8,861,000 | 11,280,000 | 11,806,000 |
| Equity capital | 7,128,000 | 7,379,000 | 7,710,000 | 7,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,826,000 | 3,680,000 | 5,557,000 | 7,281,000 |
| Interest expense | 1,058,000 | 2,015,000 | 2,924,000 | 3,734,000 |
| Net interest income | 768,000 | 1,665,000 | 2,633,000 | 3,547,000 |
| Noninterest income | 274,000 | 509,000 | 736,000 | 998,000 |
| Noninterest expense | 666,000 | 1,337,000 | 2,059,000 | 2,850,000 |
| Provision for loan losses | 33,000 | 70,000 | 119,000 | 372,000 |
| Pretax income | 343,000 | 767,000 | 1,191,000 | 1,323,000 |
| Income tax | 120,000 | 277,000 | 434,000 | 441,000 |
| Net income | 223,000 | 490,000 | 757,000 | 882,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,063,000 | 7,330,000 | 7,572,000 | 7,722,000 |
| Total capital | 7,789,000 | 8,044,000 | 8,336,000 | 8,713,000 |
| Risk-weighted assets | 69,922,000 | 77,779,000 | 77,548,000 | 79,249,000 |