Call reports 2004
OPTUS BANK — 2004
What OPTUS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 34,022,000 | 34,680,000 | 34,975,000 | 36,827,000 |
| Total loans | 23,031,000 | 25,207,000 | 27,236,000 | 29,886,000 |
| Allowance for loan losses | 275,000 | 233,000 | 259,000 | 292,000 |
| Securities available for sale | 538,000 | 538,000 | 538,000 | 516,000 |
| Securities held to maturity | 2,547,000 | 2,890,000 | 2,140,000 | 1,300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,286,000 | 30,840,000 | 31,134,000 | 32,960,000 |
| Interest-bearing deposits | 26,524,000 | 26,779,000 | 26,927,000 | 28,926,000 |
| Noninterest-bearing deposits | 3,762,000 | 4,061,000 | 4,207,000 | 4,034,000 |
| Equity capital | 3,646,000 | 3,663,000 | 3,723,000 | 3,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 470,000 | 931,000 | 1,449,000 | 2,013,000 |
| Interest expense | 80,000 | 161,000 | 248,000 | 353,000 |
| Net interest income | 390,000 | 770,000 | 1,201,000 | 1,660,000 |
| Noninterest income | 131,000 | 284,000 | 470,000 | 682,000 |
| Noninterest expense | 483,000 | 983,000 | 1,505,000 | 2,064,000 |
| Provision for loan losses | 20,000 | 37,000 | 71,000 | 106,000 |
| Pretax income | 18,000 | 34,000 | 95,000 | 172,000 |
| Income tax | 0 | 0 | 0 | 63,000 |
| Net income | 18,000 | 34,000 | 95,000 | 109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,878,000 | 2,895,000 | 2,944,000 | 2,964,000 |
| Total capital | 3,153,000 | 3,128,000 | 3,203,000 | 3,256,000 |
| Risk-weighted assets | 25,729,000 | 28,188,000 | 29,552,000 | 32,159,000 |
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