Call reports 2016
FOCUS BANK — 2016
What FOCUS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 735,044,000 | 729,616,000 | 741,743,000 | 734,945,000 |
| Total loans | 619,701,000 | 632,704,000 | 621,699,000 | 611,762,000 |
| Allowance for loan losses | 8,027,000 | 8,091,000 | 8,393,000 | 8,394,000 |
| Securities available for sale | 39,429,000 | 28,846,000 | 25,821,000 | 36,375,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 567,695,000 | 564,555,000 | 575,650,000 | 581,574,000 |
| Interest-bearing deposits | 487,198,000 | 486,268,000 | 498,145,000 | 497,972,000 |
| Noninterest-bearing deposits | 80,497,000 | 78,287,000 | 77,505,000 | 83,602,000 |
| Equity capital | 73,895,000 | 74,504,000 | 75,445,000 | 76,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 7,441,000 | 14,930,000 | 22,468,000 | 29,840,000 |
| Interest expense | 1,486,000 | 2,984,000 | 4,546,000 | 6,128,000 |
| Net interest income | 5,955,000 | 11,946,000 | 17,922,000 | 23,712,000 |
| Noninterest income | 972,000 | 2,103,000 | 3,355,000 | 4,380,000 |
| Noninterest expense | 4,522,000 | 9,209,000 | 13,865,000 | 18,253,000 |
| Provision for loan losses | 304,000 | 720,000 | 1,150,000 | 1,493,000 |
| Pretax income | 2,106,000 | 4,125,000 | 6,267,000 | 8,370,000 |
| Income tax | -443,000 | -923,000 | -1,193,000 | -1,215,000 |
| Net income | 2,549,000 | 5,048,000 | 7,460,000 | 9,585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,700,000 | 73,699,000 | 74,911,000 | 77,036,000 |
| Total capital | 80,269,000 | 81,417,000 | 82,433,000 | 84,441,000 |
| Risk-weighted assets | 605,073,000 | 617,041,000 | 600,864,000 | 591,396,000 |