Call reports 2010
OPTUS BANK — 2010
What OPTUS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 84,570,000 | 91,895,000 | 82,996,000 | 80,214,000 |
| Total loans | 67,159,000 | 65,781,000 | 64,182,000 | 62,478,000 |
| Allowance for loan losses | 1,645,000 | 1,619,000 | 1,793,000 | 2,215,000 |
| Securities available for sale | 0 | 1,310,000 | 4,409,000 | 5,478,000 |
| Securities held to maturity | 3,700,000 | 4,200,000 | 600,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,910,000 | 85,381,000 | 76,598,000 | 74,775,000 |
| Interest-bearing deposits | 64,437,000 | 70,094,000 | 62,683,000 | 62,710,000 |
| Noninterest-bearing deposits | 13,473,000 | 15,287,000 | 13,914,000 | 12,065,000 |
| Equity capital | 6,231,000 | 6,156,000 | 5,982,000 | 4,878,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,202,000 | 2,368,000 | 3,619,000 | 4,829,000 |
| Interest expense | 405,000 | 728,000 | 984,000 | 1,228,000 |
| Net interest income | 797,000 | 1,640,000 | 2,635,000 | 3,601,000 |
| Noninterest income | 322,000 | 717,000 | 1,390,000 | 2,185,000 |
| Noninterest expense | 1,121,000 | 2,275,000 | 3,448,000 | 5,301,000 |
| Provision for loan losses | 160,000 | 359,000 | 595,000 | 1,508,000 |
| Pretax income | -162,000 | -277,000 | -18,000 | -1,023,000 |
| Income tax | -57,000 | -97,000 | -6,000 | 407,000 |
| Net income | -105,000 | -180,000 | -12,000 | -1,430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,707,000 | 5,638,000 | 5,470,000 | 4,909,000 |
| Total capital | 6,577,000 | 6,499,000 | 6,299,000 | 5,695,000 |
| Risk-weighted assets | 68,540,000 | 68,152,000 | 65,386,000 | 61,142,000 |