Call reports 2019
FOCUS BANK — 2019
What FOCUS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 752,999,000 | 769,931,000 | 764,497,000 | 772,906,000 |
| Total loans | 610,294,000 | 620,711,000 | 618,054,000 | 621,580,000 |
| Allowance for loan losses | 7,628,000 | 7,024,000 | 7,099,000 | 7,159,000 |
| Securities available for sale | 47,983,000 | 47,046,000 | 46,813,000 | 53,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 596,008,000 | 600,814,000 | 592,633,000 | 604,346,000 |
| Interest-bearing deposits | 499,054,000 | 510,382,000 | 498,972,000 | 506,528,000 |
| Noninterest-bearing deposits | 96,954,000 | 90,432,000 | 93,661,000 | 97,818,000 |
| Equity capital | 80,581,000 | 82,724,000 | 84,783,000 | 82,526,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 8,351,000 | 17,105,000 | 26,009,000 | 34,824,000 |
| Interest expense | 2,074,000 | 4,401,000 | 6,908,000 | 9,413,000 |
| Net interest income | 6,277,000 | 12,704,000 | 19,101,000 | 25,411,000 |
| Noninterest income | 1,069,000 | 2,275,000 | 3,668,000 | 4,919,000 |
| Noninterest expense | 4,869,000 | 9,809,000 | 14,925,000 | 20,064,000 |
| Provision for loan losses | 113,000 | 290,000 | 420,000 | 565,000 |
| Pretax income | 2,364,000 | 4,864,000 | 7,408,000 | 9,739,000 |
| Income tax | 0 | -13,000 | -40,000 | -40,000 |
| Net income | 2,364,000 | 4,877,000 | 7,448,000 | 9,779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,011,000 | 82,524,000 | 84,295,000 | 82,126,000 |
| Total capital | 88,324,000 | 89,548,000 | 91,394,000 | 89,285,000 |
| Risk-weighted assets | 584,750,000 | 592,907,000 | 596,771,000 | 606,773,000 |