Call reports 2013
FOCUS BANK — 2013
What FOCUS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 665,349,000 | 644,750,000 | 642,803,000 | 652,970,000 |
| Total loans | 523,954,000 | 529,461,000 | 534,326,000 | 539,274,000 |
| Allowance for loan losses | 9,128,000 | 7,699,000 | 8,113,000 | 8,296,000 |
| Securities available for sale | 51,256,000 | 50,021,000 | 52,368,000 | 54,249,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 512,197,000 | 495,209,000 | 493,302,000 | 504,250,000 |
| Interest-bearing deposits | 442,657,000 | 433,087,000 | 425,219,000 | 428,171,000 |
| Noninterest-bearing deposits | 69,540,000 | 62,122,000 | 68,083,000 | 76,079,000 |
| Equity capital | 70,092,000 | 68,959,000 | 68,118,000 | 68,617,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 7,065,000 | 14,103,000 | 21,201,000 | 28,384,000 |
| Interest expense | 1,737,000 | 3,415,000 | 5,035,000 | 6,613,000 |
| Net interest income | 5,328,000 | 10,688,000 | 16,166,000 | 21,771,000 |
| Noninterest income | 707,000 | 1,536,000 | 2,412,000 | 3,365,000 |
| Noninterest expense | 4,035,000 | 8,114,000 | 12,472,000 | 16,942,000 |
| Provision for loan losses | 297,000 | 621,000 | 1,613,000 | 1,949,000 |
| Pretax income | 1,705,000 | 3,498,000 | 4,502,000 | 6,254,000 |
| Income tax | 576,000 | 1,206,000 | 1,505,000 | 2,037,000 |
| Net income | 1,129,000 | 2,292,000 | 2,997,000 | 4,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,048,000 | 70,909,000 | 70,614,000 | 71,536,000 |
| Total capital | 76,283,000 | 77,161,000 | 76,958,000 | 77,992,000 |
| Risk-weighted assets | 495,891,000 | 498,694,000 | 505,711,000 | 514,674,000 |