Call reports 2005
OPTUM BANK, INC. — 2005
What OPTUM BANK, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 33,795,000 | 47,319,000 | 66,382,000 | 87,895,000 |
| Total loans | 0 | 9,000 | 19,000 | 14,000 |
| Allowance for loan losses | 0 | 3,000 | 14,000 | 8,000 |
| Securities available for sale | 13,151,000 | 36,888,000 | 49,068,000 | 55,577,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,571,000 | 29,052,000 | 38,486,000 | 46,887,000 |
| Interest-bearing deposits | 15,458,000 | 26,761,000 | 36,473,000 | 43,594,000 |
| Noninterest-bearing deposits | 1,113,000 | 2,291,000 | 2,013,000 | 3,293,000 |
| Equity capital | 12,557,000 | 12,545,000 | 12,744,000 | 13,534,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 189,000 | 532,000 | 1,054,000 | 1,811,000 |
| Interest expense | 30,000 | 125,000 | 234,000 | 383,000 |
| Net interest income | 159,000 | 407,000 | 820,000 | 1,428,000 |
| Noninterest income | 5,861,000 | 12,338,000 | 17,796,000 | 27,628,000 |
| Noninterest expense | 6,620,000 | 13,308,000 | 18,763,000 | 27,910,000 |
| Provision for loan losses | 0 | 3,000 | 14,000 | 8,000 |
| Pretax income | -612,000 | -578,000 | -173,000 | 1,126,000 |
| Income tax | -234,000 | -221,000 | -66,000 | 431,000 |
| Net income | -378,000 | -357,000 | -107,000 | 695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,596,000 | 12,564,000 | 12,782,000 | 13,647,000 |
| Total capital | 12,596,000 | 12,567,000 | 12,796,000 | 13,655,000 |
| Risk-weighted assets | 13,705,000 | 34,516,000 | 47,164,000 | 45,724,000 |
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