Call reports 2012
OPEN BANK — 2012
What OPEN BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 143,300,000 | 149,246,000 | 169,740,000 | 206,142,000 |
| Total loans | 106,909,000 | 121,085,000 | 139,876,000 | 162,491,000 |
| Allowance for loan losses | 4,572,000 | 4,104,000 | 4,449,000 | 4,407,000 |
| Securities available for sale | 9,995,000 | 9,045,000 | 8,029,000 | 8,011,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,100,000 | 124,227,000 | 143,738,000 | 173,992,000 |
| Interest-bearing deposits | 78,202,000 | 80,036,000 | 97,251,000 | 119,031,000 |
| Noninterest-bearing deposits | 39,899,000 | 44,191,000 | 46,487,000 | 54,961,000 |
| Equity capital | 23,734,000 | 24,424,000 | 25,054,000 | 25,892,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,644,000 | 3,399,000 | 5,272,000 | 7,464,000 |
| Interest expense | 226,000 | 401,000 | 568,000 | 766,000 |
| Net interest income | 1,418,000 | 2,998,000 | 4,704,000 | 6,698,000 |
| Noninterest income | 1,067,000 | 2,692,000 | 4,479,000 | 6,271,000 |
| Noninterest expense | 1,859,000 | 3,783,000 | 6,009,000 | 8,500,000 |
| Provision for loan losses | 356,000 | 1,073,000 | 1,773,000 | 2,273,000 |
| Pretax income | 279,000 | 843,000 | 1,410,000 | 2,210,000 |
| Income tax | -4,000,000 | -4,000,000 | -4,000,000 | -3,985,000 |
| Net income | 4,279,000 | 4,843,000 | 5,410,000 | 6,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,446,000 | 22,861,000 | 23,555,000 | 24,479,000 |
| Total capital | 22,968,000 | 24,537,000 | 25,466,000 | 26,625,000 |
| Risk-weighted assets | 118,679,000 | 131,675,000 | 150,295,000 | 169,375,000 |