Call reports 2022
FOCUS BANK — 2022
What FOCUS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 848,552,000 | 799,750,000 | 803,769,000 | 792,654,000 |
| Total loans | 640,585,000 | 662,866,000 | 673,511,000 | 664,356,000 |
| Allowance for loan losses | 7,472,000 | 7,442,000 | 7,422,000 | 7,438,000 |
| Securities available for sale | 60,340,000 | 74,118,000 | 69,152,000 | 68,766,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 674,394,000 | 649,928,000 | 632,517,000 | 623,808,000 |
| Interest-bearing deposits | 496,366,000 | 484,404,000 | 457,594,000 | 455,670,000 |
| Noninterest-bearing deposits | 178,028,000 | 165,524,000 | 174,923,000 | 168,138,000 |
| Equity capital | 92,396,000 | 88,834,000 | 86,890,000 | 88,091,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 7,647,000 | 15,636,000 | 24,156,000 | 32,799,000 |
| Interest expense | 869,000 | 1,663,000 | 2,475,000 | 3,523,000 |
| Net interest income | 6,778,000 | 13,973,000 | 21,681,000 | 29,276,000 |
| Noninterest income | 1,397,000 | 2,837,000 | 4,363,000 | 5,902,000 |
| Noninterest expense | 5,452,000 | 11,036,000 | 16,757,000 | 22,686,000 |
| Provision for loan losses | 47,000 | 88,000 | 167,000 | 455,000 |
| Pretax income | 2,676,000 | 5,686,000 | 9,120,000 | 12,037,000 |
| Income tax | 0 | 0 | 0 | -5,000 |
| Net income | 2,676,000 | 5,686,000 | 9,120,000 | 12,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,994,000 | 94,504,000 | 96,438,000 | 97,109,000 |