Call reports 2015
OPEN BANK — 2015
What OPEN BANK 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 | 554,668,000 | 564,772,000 | 606,224,000 | 618,718,000 |
| Total loans | 432,895,000 | 465,825,000 | 506,607,000 | 512,865,000 |
| Allowance for loan losses | 5,871,000 | 5,879,000 | 6,387,000 | 6,390,000 |
| Securities available for sale | 27,961,000 | 24,761,000 | 25,201,000 | 43,889,000 |
| Securities held to maturity | 1,999,000 | 999,000 | 999,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 453,314,000 | 480,729,000 | 509,716,000 | 519,721,000 |
| Interest-bearing deposits | 292,083,000 | 313,752,000 | 354,752,000 | 364,574,000 |
| Noninterest-bearing deposits | 161,232,000 | 166,977,000 | 154,964,000 | 155,147,000 |
| Equity capital | 67,232,000 | 69,078,000 | 70,820,000 | 72,506,000 |
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 | 5,561,000 | 11,690,000 | 18,381,000 | 25,192,000 |
| Interest expense | 512,000 | 1,102,000 | 1,840,000 | 2,689,000 |
| Net interest income | 5,049,000 | 10,588,000 | 16,541,000 | 22,503,000 |
| Noninterest income | 1,819,000 | 3,996,000 | 5,990,000 | 8,029,000 |
| Noninterest expense | 4,581,000 | 9,605,000 | 14,486,000 | 19,802,000 |
| Provision for loan losses | 77,000 | 77,000 | 553,000 | 553,000 |
| Pretax income | 2,210,000 | 4,903,000 | 7,493,000 | 10,178,000 |
| Income tax | 910,000 | 2,018,000 | 3,085,000 | 4,188,000 |
| Net income | 1,300,000 | 2,885,000 | 4,408,000 | 5,990,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,046,000 | 67,960,000 | 69,650,000 | 71,549,000 |
| Total capital | 71,525,000 | 73,815,000 | 75,968,000 | 77,932,000 |
| Risk-weighted assets | 437,247,000 | 467,663,000 | 504,620,000 | 509,941,000 |