Call reports 2015
OPTUM BANK, INC. — 2015
What OPTUM BANK, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 3,771,623,000 | 3,912,042,000 | 3,984,318,000 | 4,694,941,000 |
| Total loans | 376,451,000 | 354,556,000 | 383,908,000 | 446,826,000 |
| Allowance for loan losses | 4,508,000 | 3,736,000 | 4,191,000 | 4,908,000 |
| Securities available for sale | 2,982,984,000 | 3,069,837,000 | 3,090,120,000 | 3,066,238,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,906,393,000 | 2,998,418,000 | 3,072,233,000 | 3,788,296,000 |
| Interest-bearing deposits | 1,904,092,000 | 1,972,895,000 | 1,996,280,000 | 2,658,021,000 |
| Noninterest-bearing deposits | 1,002,300,000 | 1,025,523,000 | 1,075,953,000 | 1,130,275,000 |
| Equity capital | 383,572,000 | 378,188,000 | 397,247,000 | 433,117,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 21,731,000 | 43,772,000 | 66,822,000 | 90,183,000 |
| Interest expense | 960,000 | 1,964,000 | 3,003,000 | 4,060,000 |
| Net interest income | 20,771,000 | 41,808,000 | 63,819,000 | 86,123,000 |
| Noninterest income | 22,673,000 | 44,077,000 | 64,738,000 | 85,332,000 |
| Noninterest expense | 18,081,000 | 37,068,000 | 52,145,000 | 69,880,000 |
| Provision for loan losses | 491,000 | 583,000 | 1,038,000 | 1,755,000 |
| Pretax income | 25,088,000 | 52,176,000 | 84,499,000 | 111,847,000 |
| Income tax | 9,218,000 | 19,308,000 | 31,168,000 | 41,341,000 |
| Net income | 15,870,000 | 32,868,000 | 53,331,000 | 70,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 345,608,000 | 361,637,000 | 382,179,000 | 412,329,000 |
| Total capital | 350,116,000 | 365,373,000 | 386,370,000 | 417,237,000 |
| Risk-weighted assets | 2,720,657,000 | 2,846,921,000 | 2,390,214,000 | 2,265,531,000 |