Call reports 2012
FOCUS BANK — 2012
What FOCUS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 660,201,000 | 648,054,000 | 647,246,000 | 658,492,000 |
| Total loans | 505,479,000 | 526,333,000 | 519,417,000 | 524,543,000 |
| Allowance for loan losses | 8,960,000 | 8,918,000 | 9,035,000 | 9,066,000 |
| Securities available for sale | 45,634,000 | 47,612,000 | 45,915,000 | 51,685,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 507,612,000 | 493,986,000 | 492,101,000 | 506,112,000 |
| Interest-bearing deposits | 451,885,000 | 443,678,000 | 438,489,000 | 434,777,000 |
| Noninterest-bearing deposits | 55,727,000 | 50,308,000 | 53,612,000 | 71,335,000 |
| Equity capital | 69,137,000 | 70,301,000 | 70,619,000 | 69,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,550,000 | 15,199,000 | 22,846,000 | 30,080,000 |
| Interest expense | 2,115,000 | 4,154,000 | 6,171,000 | 8,040,000 |
| Net interest income | 5,435,000 | 11,045,000 | 16,675,000 | 22,040,000 |
| Noninterest income | 794,000 | 1,403,000 | 2,282,000 | 2,930,000 |
| Noninterest expense | 3,991,000 | 8,036,000 | 12,000,000 | 15,925,000 |
| Provision for loan losses | 325,000 | 658,000 | 991,000 | 1,339,000 |
| Pretax income | 1,950,000 | 3,794,000 | 6,109,000 | 7,853,000 |
| Income tax | 711,000 | 1,357,000 | 2,197,000 | 2,774,000 |
| Net income | 1,239,000 | 2,437,000 | 3,912,000 | 5,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,977,000 | 69,876,000 | 70,351,000 | 68,918,000 |
| Total capital | 75,133,000 | 76,207,000 | 76,567,000 | 75,215,000 |
| Risk-weighted assets | 489,638,000 | 503,897,000 | 494,482,000 | 501,020,000 |