Call reports 2004
FOCUS BANK — 2004
What FOCUS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 153,789,000 | 162,993,000 | 163,818,000 | 167,634,000 |
| Total loans | 118,852,000 | 128,410,000 | 127,444,000 | 130,718,000 |
| Allowance for loan losses | 1,395,000 | 1,413,000 | 1,450,000 | 1,421,000 |
| Securities available for sale | 22,877,000 | 23,487,000 | 24,131,000 | 25,365,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,347,000 | 134,150,000 | 135,321,000 | 134,243,000 |
| Interest-bearing deposits | 117,967,000 | 118,460,000 | 118,216,000 | 114,495,000 |
| Noninterest-bearing deposits | 17,380,000 | 15,690,000 | 17,105,000 | 19,748,000 |
| Equity capital | 10,428,000 | 11,130,000 | 12,112,000 | 12,426,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,933,000 | 3,990,000 | 6,183,000 | 8,385,000 |
| Interest expense | 555,000 | 1,150,000 | 1,799,000 | 2,506,000 |
| Net interest income | 1,378,000 | 2,840,000 | 4,384,000 | 5,879,000 |
| Noninterest income | 306,000 | 645,000 | 984,000 | 1,251,000 |
| Noninterest expense | 979,000 | 2,109,000 | 3,079,000 | 4,114,000 |
| Provision for loan losses | 46,000 | 131,000 | 175,000 | 217,000 |
| Pretax income | 670,000 | 1,256,000 | 2,125,000 | 2,810,000 |
| Income tax | 229,000 | 342,000 | 660,000 | 905,000 |
| Net income | 441,000 | 914,000 | 1,465,000 | 1,905,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,386,000 | 11,609,000 | 12,160,000 | 12,600,000 |
| Total capital | 11,781,000 | 13,022,000 | 13,610,000 | 14,021,000 |
| Risk-weighted assets | 119,475,000 | 128,564,000 | 128,896,000 | 132,780,000 |
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