Call reports 2007
OPTUS BANK — 2007
What OPTUS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 69,589,000 | 69,170,000 | 74,627,000 | 74,516,000 |
| Total loans | 53,832,000 | 56,499,000 | 56,994,000 | 58,791,000 |
| Allowance for loan losses | 743,000 | 702,000 | 727,000 | 737,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,151,000 | 2,749,000 | 2,599,000 | 2,599,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,215,000 | 61,593,000 | 66,498,000 | 66,296,000 |
| Interest-bearing deposits | 54,570,000 | 52,576,000 | 58,035,000 | 57,896,000 |
| Noninterest-bearing deposits | 7,645,000 | 9,016,000 | 8,463,000 | 8,400,000 |
| Equity capital | 7,068,000 | 7,305,000 | 7,707,000 | 7,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,212,000 | 2,532,000 | 3,891,000 | 5,290,000 |
| Interest expense | 521,000 | 1,068,000 | 1,620,000 | 2,239,000 |
| Net interest income | 691,000 | 1,464,000 | 2,271,000 | 3,051,000 |
| Noninterest income | 249,000 | 503,000 | 1,206,000 | 1,453,000 |
| Noninterest expense | 714,000 | 1,518,000 | 2,399,000 | 3,353,000 |
| Provision for loan losses | 66,000 | 131,000 | 193,000 | 237,000 |
| Pretax income | 160,000 | 318,000 | 885,000 | 914,000 |
| Income tax | 60,000 | 110,000 | 311,000 | 332,000 |
| Net income | 100,000 | 208,000 | 574,000 | 582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,495,000 | 6,737,000 | 7,143,000 | 7,149,000 |
| Total capital | 7,238,000 | 7,438,000 | 7,870,000 | 7,886,000 |
| Risk-weighted assets | 58,650,000 | 60,143,000 | 61,705,000 | 62,756,000 |
Machine access — free, no API key
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