Call reports 2025
FOCUS BANK — 2025
What FOCUS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 842,566,000 | 854,995,000 | 861,562,000 | 880,651,000 |
| Total loans | 698,670,000 | 711,716,000 | 722,370,000 | 736,329,000 |
| Allowance for loan losses | 7,478,000 | 7,744,000 | 7,808,000 | 8,413,000 |
| Securities available for sale | 65,839,000 | 69,047,000 | 68,365,000 | 67,942,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 672,283,000 | 651,727,000 | 652,404,000 | 669,826,000 |
| Interest-bearing deposits | 529,777,000 | 532,594,000 | 531,618,000 | 548,078,000 |
| Noninterest-bearing deposits | 142,506,000 | 119,133,000 | 120,786,000 | 121,748,000 |
| Equity capital | 95,783,000 | 97,968,000 | 100,791,000 | 103,372,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 12,487,000 | 25,310,000 | 38,765,000 | 52,348,000 |
| Interest expense | 3,963,000 | 7,987,000 | 12,328,000 | 16,715,000 |
| Net interest income | 8,524,000 | 17,323,000 | 26,437,000 | 35,633,000 |
| Noninterest income | 1,252,000 | 2,454,000 | 4,113,000 | 6,109,000 |
| Noninterest expense | 6,493,000 | 13,214,000 | 20,049,000 | 26,813,000 |
| Provision for loan losses | 122,000 | 549,000 | 674,000 | 1,359,000 |
| Pretax income | 3,095,000 | 5,947,000 | 9,730,000 | 13,463,000 |
| Income tax | 0 | -7,000 | -7,000 | -7,000 |
| Net income | 3,095,000 | 5,954,000 | 9,737,000 | 13,470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 101,558,000 | 103,167,000 | 105,450,000 | 107,683,000 |
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