Call reports 2011
FOCUS BANK — 2011
What FOCUS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 608,719,000 | 629,313,000 | 648,148,000 | 659,415,000 |
| Total loans | 502,827,000 | 518,045,000 | 537,180,000 | 515,880,000 |
| Allowance for loan losses | 8,482,000 | 8,402,000 | 8,615,000 | 8,945,000 |
| Securities available for sale | 54,427,000 | 48,997,000 | 43,134,000 | 44,675,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 476,298,000 | 487,199,000 | 496,172,000 | 506,736,000 |
| Interest-bearing deposits | 430,549,000 | 443,168,000 | 447,761,000 | 448,876,000 |
| Noninterest-bearing deposits | 45,749,000 | 44,031,000 | 48,411,000 | 57,860,000 |
| Equity capital | 57,262,000 | 58,879,000 | 68,590,000 | 69,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 7,604,000 | 15,660,000 | 23,875,000 | 31,994,000 |
| Interest expense | 2,510,000 | 4,977,000 | 7,368,000 | 9,630,000 |
| Net interest income | 5,094,000 | 10,683,000 | 16,507,000 | 22,364,000 |
| Noninterest income | 806,000 | 1,642,000 | 2,474,000 | 3,185,000 |
| Noninterest expense | 3,780,000 | 7,680,000 | 11,603,000 | 15,680,000 |
| Provision for loan losses | 593,000 | 997,000 | 1,411,000 | 1,827,000 |
| Pretax income | 1,540,000 | 3,748,000 | 6,097,000 | 8,196,000 |
| Income tax | 518,000 | 1,309,000 | 2,162,000 | 2,870,000 |
| Net income | 1,022,000 | 2,439,000 | 3,935,000 | 5,326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,430,000 | 58,549,000 | 68,049,000 | 68,940,000 |
| Total capital | 63,515,000 | 64,828,000 | 74,537,000 | 75,284,000 |
| Risk-weighted assets | 484,408,000 | 500,166,000 | 516,896,000 | 504,928,000 |