Call reports 2020
FOCUS BANK — 2020
What FOCUS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 769,077,000 | 788,063,000 | 784,334,000 | 810,817,000 |
| Total loans | 615,899,000 | 657,016,000 | 660,546,000 | 625,838,000 |
| Allowance for loan losses | 7,092,000 | 7,474,000 | 7,982,000 | 7,542,000 |
| Securities available for sale | 51,484,000 | 42,483,000 | 39,590,000 | 39,030,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 606,210,000 | 628,957,000 | 622,662,000 | 646,256,000 |
| Interest-bearing deposits | 501,727,000 | 507,681,000 | 486,492,000 | 505,650,000 |
| Noninterest-bearing deposits | 104,483,000 | 121,276,000 | 136,170,000 | 140,606,000 |
| Equity capital | 82,850,000 | 83,789,000 | 85,436,000 | 87,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 8,482,000 | 16,801,000 | 24,912,000 | 33,389,000 |
| Interest expense | 2,301,000 | 4,350,000 | 6,068,000 | 7,554,000 |
| Net interest income | 6,181,000 | 12,451,000 | 18,844,000 | 25,835,000 |
| Noninterest income | 1,206,000 | 2,498,000 | 4,265,000 | 5,524,000 |
| Noninterest expense | 5,119,000 | 10,229,000 | 15,464,000 | 20,882,000 |
| Provision for loan losses | 76,000 | 453,000 | 1,024,000 | 1,125,000 |
| Pretax income | 2,198,000 | 4,358,000 | 6,826,000 | 9,579,000 |
| Income tax | -2,000 | -43,000 | -54,000 | -95,000 |
| Net income | 2,200,000 | 4,401,000 | 6,880,000 | 9,674,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,825,000 | 82,327,000 | 84,056,000 | 86,850,000 |