Call reports 2005
OPTUS BANK — 2005
What OPTUS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 42,250,000 | 44,335,000 | 49,081,000 | 49,730,000 |
| Total loans | 32,419,000 | 34,889,000 | 38,633,000 | 40,821,000 |
| Allowance for loan losses | 288,000 | 323,000 | 489,000 | 515,000 |
| Securities available for sale | 516,000 | 516,000 | 504,000 | 502,000 |
| Securities held to maturity | 1,300,000 | 2,098,000 | 2,100,000 | 2,100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,212,000 | 40,244,000 | 44,940,000 | 45,379,000 |
| Interest-bearing deposits | 33,978,000 | 35,112,000 | 39,404,000 | 38,880,000 |
| Noninterest-bearing deposits | 4,235,000 | 5,132,000 | 5,535,000 | 6,500,000 |
| Equity capital | 3,802,000 | 3,843,000 | 3,852,000 | 3,994,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 633,000 | 1,308,000 | 2,102,000 | 2,961,000 |
| Interest expense | 148,000 | 334,000 | 566,000 | 828,000 |
| Net interest income | 485,000 | 974,000 | 1,536,000 | 2,133,000 |
| Noninterest income | 232,000 | 480,000 | 700,000 | 979,000 |
| Noninterest expense | 590,000 | 1,190,000 | 1,774,000 | 2,367,000 |
| Provision for loan losses | 25,000 | 92,000 | 240,000 | 317,000 |
| Pretax income | 102,000 | 172,000 | 222,000 | 428,000 |
| Income tax | 17,000 | 45,000 | 73,000 | 135,000 |
| Net income | 85,000 | 127,000 | 149,000 | 293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,054,000 | 3,148,000 | 3,126,000 | 3,398,000 |
| Total capital | 3,342,000 | 3,472,000 | 3,615,000 | 3,893,000 |
| Risk-weighted assets | 35,291,000 | 37,568,000 | 41,473,000 | 43,641,000 |
Machine access — free, no API key
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