Call reports 2003
FOCUS BANK — 2003
What FOCUS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 111,240,000 | 132,807,000 | 134,668,000 | 146,334,000 |
| Total loans | 90,376,000 | 103,986,000 | 108,467,000 | 112,494,000 |
| Allowance for loan losses | 1,182,000 | 1,242,000 | 1,312,000 | 1,353,000 |
| Securities available for sale | 10,660,000 | 10,883,000 | 15,574,000 | 21,592,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,171,000 | 115,559,000 | 115,519,000 | 125,209,000 |
| Interest-bearing deposits | 87,898,000 | 99,786,000 | 101,446,000 | 105,856,000 |
| Noninterest-bearing deposits | 14,273,000 | 15,773,000 | 14,073,000 | 19,353,000 |
| Equity capital | 7,286,000 | 10,181,000 | 10,371,000 | 10,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,694,000 | 3,445,000 | 5,325,000 | 7,201,000 |
| Interest expense | 496,000 | 1,044,000 | 1,597,000 | 2,135,000 |
| Net interest income | 1,198,000 | 2,401,000 | 3,728,000 | 5,066,000 |
| Noninterest income | 272,000 | 575,000 | 883,000 | 1,164,000 |
| Noninterest expense | 879,000 | 1,771,000 | 2,683,000 | 3,766,000 |
| Provision for loan losses | 89,000 | 174,000 | 275,000 | 345,000 |
| Pretax income | 575,000 | 1,128,000 | 1,750,000 | 2,216,000 |
| Income tax | 179,000 | 389,000 | 619,000 | 732,000 |
| Net income | 396,000 | 739,000 | 1,131,000 | 1,484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,257,000 | 10,100,000 | 10,492,000 | 10,845,000 |
| Total capital | 8,351,000 | 11,342,000 | 11,804,000 | 12,198,000 |
| Risk-weighted assets | 87,437,000 | 102,093,000 | 108,136,000 | 114,060,000 |