Call reports 2002
FOCUS BANK — 2002
What FOCUS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 104,487,000 | 103,772,000 | 100,477,000 | 111,854,000 |
| Total loans | 78,218,000 | 84,332,000 | 80,673,000 | 90,085,000 |
| Allowance for loan losses | 981,000 | 1,021,000 | 1,067,000 | 1,100,000 |
| Securities available for sale | 8,469,000 | 9,874,000 | 9,963,000 | 11,786,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,704,000 | 90,196,000 | 91,248,000 | 101,174,000 |
| Interest-bearing deposits | 84,386,000 | 79,358,000 | 79,603,000 | 84,024,000 |
| Noninterest-bearing deposits | 11,318,000 | 10,838,000 | 11,645,000 | 17,150,000 |
| Equity capital | 7,137,000 | 7,600,000 | 7,918,000 | 8,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,596,000 | 3,202,000 | 4,829,000 | 6,417,000 |
| Interest expense | 617,000 | 1,153,000 | 1,662,000 | 2,158,000 |
| Net interest income | 979,000 | 2,049,000 | 3,167,000 | 4,259,000 |
| Noninterest income | 249,000 | 523,000 | 774,000 | 1,021,000 |
| Noninterest expense | 762,000 | 1,620,000 | 2,453,000 | 3,382,000 |
| Provision for loan losses | 21,000 | 81,000 | 160,000 | 233,000 |
| Pretax income | 445,000 | 871,000 | 1,328,000 | 1,667,000 |
| Income tax | 157,000 | 261,000 | 431,000 | 503,000 |
| Net income | 288,000 | 610,000 | 897,000 | 1,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,136,000 | 7,457,000 | 7,744,000 | 8,011,000 |
| Total capital | 8,117,000 | 8,478,000 | 8,738,000 | 9,111,000 |
| Risk-weighted assets | 80,133,000 | 83,294,000 | 79,464,000 | 88,624,000 |