Call reports 2011
OPTUS BANK — 2011
What OPTUS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 77,501,000 | 81,719,000 | 81,881,000 | 83,200,000 |
| Total loans | 59,904,000 | 57,873,000 | 56,278,000 | 54,727,000 |
| Allowance for loan losses | 2,159,000 | 1,900,000 | 1,988,000 | 2,283,000 |
| Securities available for sale | 5,473,000 | 5,787,000 | 5,097,000 | 10,108,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,265,000 | 76,931,000 | 77,440,000 | 79,646,000 |
| Interest-bearing deposits | 63,364,000 | 65,647,000 | 65,488,000 | 71,010,000 |
| Noninterest-bearing deposits | 8,901,000 | 11,284,000 | 11,952,000 | 8,636,000 |
| Equity capital | 4,722,000 | 4,305,000 | 3,949,000 | 3,171,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,004,000 | 2,073,000 | 3,008,000 | 3,962,000 |
| Interest expense | 225,000 | 434,000 | 630,000 | 807,000 |
| Net interest income | 779,000 | 1,639,000 | 2,378,000 | 3,155,000 |
| Noninterest income | 294,000 | 619,000 | 954,000 | 1,429,000 |
| Noninterest expense | 1,154,000 | 2,392,000 | 3,480,000 | 4,770,000 |
| Provision for loan losses | 75,000 | 465,000 | 815,000 | 1,565,000 |
| Pretax income | -156,000 | -599,000 | -963,000 | -1,751,000 |
| Income tax | 0 | 3,000 | -1,000 | -5,000 |
| Net income | -156,000 | -602,000 | -962,000 | -1,746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,757,000 | 4,311,000 | 3,947,000 | 3,163,000 |
| Total capital | 5,509,000 | 5,038,000 | 4,653,000 | 3,881,000 |
| Risk-weighted assets | 59,303,000 | 58,552,000 | 56,567,000 | 55,871,000 |