Call reports 2021
FOCUS BANK — 2021
What FOCUS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 808,572,000 | 804,329,000 | 799,627,000 | 821,607,000 |
| Total loans | 616,904,000 | 637,906,000 | 658,522,000 | 663,503,000 |
| Allowance for loan losses | 7,619,000 | 7,180,000 | 7,201,000 | 7,420,000 |
| Securities available for sale | 46,800,000 | 47,233,000 | 47,571,000 | 50,102,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 633,956,000 | 632,403,000 | 624,678,000 | 645,644,000 |
| Interest-bearing deposits | 485,316,000 | 480,684,000 | 471,745,000 | 485,607,000 |
| Noninterest-bearing deposits | 148,640,000 | 151,719,000 | 152,933,000 | 160,037,000 |
| Equity capital | 88,072,000 | 90,221,000 | 92,835,000 | 94,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 7,893,000 | 15,825,000 | 23,990,000 | 32,127,000 |
| Interest expense | 1,202,000 | 2,251,000 | 3,241,000 | 4,187,000 |
| Net interest income | 6,691,000 | 13,574,000 | 20,749,000 | 27,940,000 |
| Noninterest income | 1,329,000 | 2,733,000 | 4,782,000 | 6,312,000 |
| Noninterest expense | 5,225,000 | 10,535,000 | 16,006,000 | 21,553,000 |
| Provision for loan losses | 0 | -399,000 | -361,000 | -72,000 |
| Pretax income | 2,919,000 | 6,295,000 | 10,010,000 | 12,895,000 |
| Income tax | 0 | -23,000 | -23,000 | -23,000 |
| Net income | 2,919,000 | 6,318,000 | 10,033,000 | 12,918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,769,000 | 89,968,000 | 92,183,000 | 95,067,000 |