Call reports 2007
FOCUS BANK — 2007
What FOCUS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 442,654,000 | 452,394,000 | 471,498,000 | 475,127,000 |
| Total loans | 348,742,000 | 361,531,000 | 368,808,000 | 379,707,000 |
| Allowance for loan losses | 3,819,000 | 3,913,000 | 3,876,000 | 3,904,000 |
| Securities available for sale | 54,872,000 | 53,731,000 | 56,039,000 | 54,030,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 353,005,000 | 364,050,000 | 376,994,000 | 369,816,000 |
| Interest-bearing deposits | 317,295,000 | 330,563,000 | 343,871,000 | 335,712,000 |
| Noninterest-bearing deposits | 35,710,000 | 33,487,000 | 33,123,000 | 34,104,000 |
| Equity capital | 32,529,000 | 32,524,000 | 33,549,000 | 34,478,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,167,000 | 14,703,000 | 22,547,000 | 30,385,000 |
| Interest expense | 3,931,000 | 8,065,000 | 12,473,000 | 16,830,000 |
| Net interest income | 3,236,000 | 6,638,000 | 10,074,000 | 13,555,000 |
| Noninterest income | 731,000 | 1,585,000 | 2,448,000 | 3,284,000 |
| Noninterest expense | 2,916,000 | 6,010,000 | 9,085,000 | 12,197,000 |
| Provision for loan losses | 102,000 | 232,000 | 414,000 | 610,000 |
| Pretax income | 949,000 | 1,980,000 | 3,022,000 | 4,031,000 |
| Income tax | 275,000 | 591,000 | 903,000 | 1,188,000 |
| Net income | 674,000 | 1,389,000 | 2,119,000 | 2,843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,597,000 | 33,114,000 | 33,647,000 | 34,170,000 |
| Total capital | 36,416,000 | 37,027,000 | 37,523,000 | 38,074,000 |
| Risk-weighted assets | 338,155,000 | 337,493,000 | 349,485,000 | 354,002,000 |