Call reports 2021
OPEN BANK — 2021
What OPEN BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,455,259,000 | 1,601,405,000 | 1,679,733,000 | 1,726,548,000 |
| Total loans | 1,184,447,000 | 1,314,262,000 | 1,326,288,000 | 1,403,448,000 |
| Allowance for loan losses | 16,618,000 | 15,479,000 | 14,599,000 | 16,328,000 |
| Securities available for sale | 102,414,000 | 111,832,000 | 102,535,000 | 150,444,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,288,645,000 | 1,436,773,000 | 1,498,855,000 | 1,536,497,000 |
| Interest-bearing deposits | 713,405,000 | 765,859,000 | 783,265,000 | 758,554,000 |
| Noninterest-bearing deposits | 575,240,000 | 670,914,000 | 715,590,000 | 777,943,000 |
| Equity capital | 144,064,000 | 149,140,000 | 155,922,000 | 162,681,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 13,632,000 | 28,981,000 | 46,336,000 | 64,158,000 |
| Interest expense | 877,000 | 1,640,000 | 2,406,000 | 3,132,000 |
| Net interest income | 12,755,000 | 27,341,000 | 43,930,000 | 61,026,000 |
| Noninterest income | 3,032,000 | 5,245,000 | 8,801,000 | 16,125,000 |
| Noninterest expense | 7,829,000 | 16,471,000 | 25,823,000 | 35,264,000 |
| Provision for loan losses | 620,000 | -492,000 | -1,376,000 | 522,000 |
| Pretax income | 7,272,000 | 16,548,000 | 28,211,000 | 41,257,000 |
| Income tax | 2,099,000 | 4,892,000 | 8,188,000 | 11,941,000 |
| Net income | 5,173,000 | 11,656,000 | 20,023,000 | 29,316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 143,390,000 | 148,311,000 | 155,424,000 | 163,402,000 |
| Total capital | 156,696,000 | 163,293,000 | 170,171,000 | 179,897,000 |
| Risk-weighted assets | 1,061,055,000 | 1,197,912,000 | 1,251,689,000 | 1,335,831,000 |