Call reports 2006
FOCUS BANK — 2006
What FOCUS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 390,257,000 | 414,938,000 | 424,499,000 | 435,524,000 |
| Total loans | 311,348,000 | 325,730,000 | 341,281,000 | 348,065,000 |
| Allowance for loan losses | 3,060,000 | 3,109,000 | 3,361,000 | 3,566,000 |
| Securities available for sale | 50,499,000 | 50,582,000 | 52,141,000 | 52,297,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,346,000 | 303,814,000 | 328,055,000 | 347,047,000 |
| Interest-bearing deposits | 247,692,000 | 269,485,000 | 295,609,000 | 312,746,000 |
| Noninterest-bearing deposits | 32,654,000 | 34,329,000 | 32,446,000 | 34,301,000 |
| Equity capital | 30,997,000 | 31,182,000 | 32,159,000 | 32,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,858,000 | 12,177,000 | 18,995,000 | 26,052,000 |
| Interest expense | 2,781,000 | 5,978,000 | 9,663,000 | 13,525,000 |
| Net interest income | 3,077,000 | 6,199,000 | 9,332,000 | 12,527,000 |
| Noninterest income | 661,000 | 1,338,000 | 1,917,000 | 2,666,000 |
| Noninterest expense | 2,542,000 | 5,260,000 | 8,026,000 | 11,164,000 |
| Provision for loan losses | 113,000 | 206,000 | 524,000 | 882,000 |
| Pretax income | 1,083,000 | 2,057,000 | 2,685,000 | 3,133,000 |
| Income tax | 341,000 | 556,000 | 762,000 | 847,000 |
| Net income | 742,000 | 1,501,000 | 1,923,000 | 2,286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,620,000 | 32,232,000 | 32,456,000 | 32,621,000 |
| Total capital | 34,680,000 | 35,341,000 | 35,817,000 | 36,187,000 |
| Risk-weighted assets | 295,338,000 | 316,883,000 | 330,064,000 | 336,849,000 |