Call reports 2008
FOCUS BANK — 2008
What FOCUS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 485,750,000 | 531,744,000 | 555,693,000 | 566,447,000 |
| Total loans | 396,106,000 | 434,915,000 | 460,761,000 | 460,815,000 |
| Allowance for loan losses | 3,964,000 | 4,025,000 | 4,503,000 | 4,589,000 |
| Securities available for sale | 46,964,000 | 51,890,000 | 54,808,000 | 57,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 384,177,000 | 392,090,000 | 413,223,000 | 434,942,000 |
| Interest-bearing deposits | 345,764,000 | 354,472,000 | 380,190,000 | 392,297,000 |
| Noninterest-bearing deposits | 38,413,000 | 37,618,000 | 33,033,000 | 42,645,000 |
| Equity capital | 36,117,000 | 38,282,000 | 40,338,000 | 41,932,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,571,000 | 15,284,000 | 23,476,000 | 31,839,000 |
| Interest expense | 4,148,000 | 8,165,000 | 12,302,000 | 16,407,000 |
| Net interest income | 3,423,000 | 7,119,000 | 11,174,000 | 15,432,000 |
| Noninterest income | 870,000 | 1,928,000 | 2,906,000 | 3,882,000 |
| Noninterest expense | 3,263,000 | 6,712,000 | 10,278,000 | 13,811,000 |
| Provision for loan losses | 145,000 | 321,000 | 956,000 | 1,466,000 |
| Pretax income | 891,000 | 2,020,000 | 2,852,000 | 4,043,000 |
| Income tax | 250,000 | 573,000 | 838,000 | 1,193,000 |
| Net income | 641,000 | 1,447,000 | 2,014,000 | 2,850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,411,000 | 38,517,000 | 40,883,000 | 41,720,000 |
| Total capital | 39,375,000 | 42,542,000 | 45,386,000 | 46,309,000 |
| Risk-weighted assets | 366,254,000 | 410,016,000 | 431,278,000 | 433,624,000 |