Call reports 2009
OPTUS BANK — 2009
What OPTUS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 86,572,000 | 93,944,000 | 95,399,000 | 93,136,000 |
| Total loans | 67,848,000 | 67,554,000 | 67,952,000 | 67,721,000 |
| Allowance for loan losses | 1,157,000 | 1,224,000 | 1,319,000 | 1,699,000 |
| Securities available for sale | 0 | 0 | 2,700,000 | 0 |
| Securities held to maturity | 2,213,000 | 2,599,000 | 0 | 3,700,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,240,000 | 86,842,000 | 87,993,000 | 86,593,000 |
| Interest-bearing deposits | 66,603,000 | 73,417,000 | 74,341,000 | 72,399,000 |
| Noninterest-bearing deposits | 12,637,000 | 13,425,000 | 13,652,000 | 14,194,000 |
| Equity capital | 6,934,000 | 6,767,000 | 7,113,000 | 5,994,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,316,000 | 2,611,000 | 3,900,000 | 5,004,000 |
| Interest expense | 496,000 | 966,000 | 1,471,000 | 1,934,000 |
| Net interest income | 820,000 | 1,645,000 | 2,429,000 | 3,070,000 |
| Noninterest income | 318,000 | 658,000 | 1,074,000 | 1,375,000 |
| Noninterest expense | 1,111,000 | 2,246,000 | 3,400,000 | 4,909,000 |
| Provision for loan losses | 79,000 | 299,000 | 568,000 | 1,270,000 |
| Pretax income | -52,000 | -242,000 | -465,000 | -1,734,000 |
| Income tax | -14,000 | -86,000 | -155,000 | -503,000 |
| Net income | -38,000 | -156,000 | -310,000 | -1,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,397,000 | 6,233,000 | 6,583,000 | 5,470,000 |
| Total capital | 7,335,000 | 7,111,000 | 7,492,000 | 6,387,000 |
| Risk-weighted assets | 74,074,000 | 69,173,000 | 71,561,000 | 72,556,000 |