Call reports 2014
FOCUS BANK — 2014
What FOCUS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 692,910,000 | 683,468,000 | 689,562,000 | 706,104,000 |
| Total loans | 544,186,000 | 575,346,000 | 589,529,000 | 578,816,000 |
| Allowance for loan losses | 8,155,000 | 7,974,000 | 8,058,000 | 8,265,000 |
| Securities available for sale | 55,889,000 | 55,724,000 | 54,409,000 | 53,018,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 547,517,000 | 532,856,000 | 527,466,000 | 543,954,000 |
| Interest-bearing deposits | 474,044,000 | 465,189,000 | 461,939,000 | 468,448,000 |
| Noninterest-bearing deposits | 73,473,000 | 67,667,000 | 65,527,000 | 75,506,000 |
| Equity capital | 65,204,000 | 68,714,000 | 69,836,000 | 72,163,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,857,000 | 13,996,000 | 21,422,000 | 28,826,000 |
| Interest expense | 1,567,000 | 3,178,000 | 4,815,000 | 6,438,000 |
| Net interest income | 5,290,000 | 10,818,000 | 16,607,000 | 22,388,000 |
| Noninterest income | 843,000 | 1,851,000 | 2,934,000 | 3,880,000 |
| Noninterest expense | 4,328,000 | 8,751,000 | 13,342,000 | 17,958,000 |
| Provision for loan losses | 323,000 | 668,000 | 1,002,000 | 1,398,000 |
| Pretax income | 1,482,000 | 3,326,000 | 5,274,000 | 7,021,000 |
| Income tax | 4,638,000 | 4,647,000 | 4,622,000 | 4,586,000 |
| Net income | -3,156,000 | -1,321,000 | 652,000 | 2,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,780,000 | 68,615,000 | 69,587,000 | 71,071,000 |
| Total capital | 73,190,000 | 75,335,000 | 76,468,000 | 77,864,000 |
| Risk-weighted assets | 511,069,000 | 536,336,000 | 549,333,000 | 541,929,000 |