Call reports 2010
FOCUS BANK — 2010
What FOCUS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 606,101,000 | 602,431,000 | 603,508,000 | 602,957,000 |
| Total loans | 468,587,000 | 478,257,000 | 501,958,000 | 496,931,000 |
| Allowance for loan losses | 7,732,000 | 7,724,000 | 8,056,000 | 8,485,000 |
| Securities available for sale | 61,888,000 | 60,211,000 | 47,815,000 | 49,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 467,475,000 | 454,434,000 | 460,607,000 | 471,402,000 |
| Interest-bearing deposits | 426,730,000 | 416,635,000 | 419,753,000 | 426,107,000 |
| Noninterest-bearing deposits | 40,745,000 | 37,799,000 | 40,854,000 | 45,295,000 |
| Equity capital | 55,552,000 | 56,612,000 | 57,200,000 | 57,025,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 7,761,000 | 15,767,000 | 23,708,000 | 31,629,000 |
| Interest expense | 3,267,000 | 6,488,000 | 9,542,000 | 12,381,000 |
| Net interest income | 4,494,000 | 9,279,000 | 14,166,000 | 19,248,000 |
| Noninterest income | 864,000 | 1,798,000 | 2,680,000 | 3,495,000 |
| Noninterest expense | 3,604,000 | 7,310,000 | 10,884,000 | 14,482,000 |
| Provision for loan losses | 749,000 | 938,000 | 1,524,000 | 2,308,000 |
| Pretax income | 1,068,000 | 2,911,000 | 4,525,000 | 6,209,000 |
| Income tax | 352,000 | 982,000 | 1,530,000 | 2,084,000 |
| Net income | 716,000 | 1,929,000 | 2,995,000 | 4,125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,151,000 | 56,063,000 | 56,380,000 | 57,309,000 |
| Total capital | 60,678,000 | 61,740,000 | 62,314,000 | 63,282,000 |
| Risk-weighted assets | 439,947,000 | 452,141,000 | 472,610,000 | 475,307,000 |