Call reports 2015
FOCUS BANK — 2015
What FOCUS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 709,223,000 | 711,355,000 | 707,689,000 | 722,830,000 |
| Total loans | 590,707,000 | 599,832,000 | 606,275,000 | 611,244,000 |
| Allowance for loan losses | 8,412,000 | 8,150,000 | 8,112,000 | 8,073,000 |
| Securities available for sale | 51,790,000 | 50,655,000 | 52,599,000 | 47,251,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 547,571,000 | 545,537,000 | 539,182,000 | 554,779,000 |
| Interest-bearing deposits | 473,417,000 | 475,335,000 | 468,188,000 | 472,541,000 |
| Noninterest-bearing deposits | 74,154,000 | 70,202,000 | 70,994,000 | 82,238,000 |
| Equity capital | 72,178,000 | 72,058,000 | 73,623,000 | 74,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,150,000 | 14,486,000 | 21,895,000 | 29,335,000 |
| Interest expense | 1,582,000 | 3,172,000 | 4,707,000 | 6,198,000 |
| Net interest income | 5,568,000 | 11,314,000 | 17,188,000 | 23,137,000 |
| Noninterest income | 959,000 | 2,068,000 | 3,179,000 | 4,226,000 |
| Noninterest expense | 4,479,000 | 9,031,000 | 13,675,000 | 18,835,000 |
| Provision for loan losses | 230,000 | 486,000 | 760,000 | 1,127,000 |
| Pretax income | 1,873,000 | 3,940,000 | 6,007,000 | 7,477,000 |
| Income tax | -38,000 | -237,000 | -237,000 | -454,000 |
| Net income | 1,911,000 | 4,177,000 | 6,244,000 | 7,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,432,000 | 71,799,000 | 72,365,000 | 73,051,000 |
| Total capital | 77,514,000 | 79,138,000 | 79,721,000 | 80,494,000 |
| Risk-weighted assets | 565,244,000 | 586,277,000 | 587,700,000 | 594,775,000 |