Call reports 2005
FOCUS BANK — 2005
What FOCUS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 172,638,000 | 366,904,000 | 376,176,000 | 386,403,000 |
| Total loans | 129,909,000 | 294,668,000 | 300,802,000 | 306,717,000 |
| Allowance for loan losses | 1,447,000 | 2,878,000 | 2,893,000 | 3,044,000 |
| Securities available for sale | 31,383,000 | 45,440,000 | 48,998,000 | 49,626,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,261,000 | 277,902,000 | 267,602,000 | 271,107,000 |
| Interest-bearing deposits | 121,555,000 | 248,342,000 | 238,743,000 | 235,497,000 |
| Noninterest-bearing deposits | 17,706,000 | 29,560,000 | 28,859,000 | 35,610,000 |
| Equity capital | 12,659,000 | 29,707,000 | 30,371,000 | 30,479,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,228,000 | 9,799,000 | 15,289,000 | 21,045,000 |
| Interest expense | 730,000 | 3,592,000 | 5,907,000 | 8,500,000 |
| Net interest income | 1,498,000 | 6,207,000 | 9,382,000 | 12,545,000 |
| Noninterest income | 309,000 | 1,340,000 | 2,037,000 | 2,741,000 |
| Noninterest expense | 1,029,000 | 4,553,000 | 7,114,000 | 9,846,000 |
| Provision for loan losses | 35,000 | 138,000 | 417,000 | 686,000 |
| Pretax income | 744,000 | 2,856,000 | 3,888,000 | 4,754,000 |
| Income tax | 255,000 | 990,000 | 1,263,000 | 1,501,000 |
| Net income | 489,000 | 1,866,000 | 2,625,000 | 3,253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,089,000 | 29,585,000 | 30,347,000 | 30,976,000 |
| Total capital | 14,536,000 | 32,463,000 | 33,240,000 | 34,020,000 |
| Risk-weighted assets | 132,078,000 | 277,728,000 | 285,235,000 | 293,474,000 |