Call reports 2012
OPTUS BANK — 2012
What OPTUS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 86,684,000 | 81,622,000 | 82,339,000 | 80,128,000 |
| Total loans | 54,070,000 | 52,840,000 | 51,849,000 | 50,718,000 |
| Allowance for loan losses | 2,481,000 | 2,267,000 | 2,112,000 | 1,974,000 |
| Securities available for sale | 10,346,000 | 9,336,000 | 15,534,000 | 15,411,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,337,000 | 78,472,000 | 79,222,000 | 77,194,000 |
| Interest-bearing deposits | 73,210,000 | 68,561,000 | 69,760,000 | 66,935,000 |
| Noninterest-bearing deposits | 10,127,000 | 9,911,000 | 9,462,000 | 10,259,000 |
| Equity capital | 2,978,000 | 2,844,000 | 2,807,000 | 2,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 922,000 | 1,786,000 | 2,707,000 | 3,547,000 |
| Interest expense | 163,000 | 306,000 | 435,000 | 559,000 |
| Net interest income | 759,000 | 1,480,000 | 2,272,000 | 2,988,000 |
| Noninterest income | 296,000 | 633,000 | 926,000 | 1,168,000 |
| Noninterest expense | 1,042,000 | 2,108,000 | 3,015,000 | 4,383,000 |
| Provision for loan losses | 206,000 | 325,000 | 578,000 | 829,000 |
| Pretax income | -193,000 | -320,000 | -395,000 | -1,056,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -193,000 | -320,000 | -395,000 | -1,056,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,970,000 | 2,843,000 | 2,767,000 | 2,602,000 |
| Total capital | 3,674,000 | 3,523,000 | 3,469,000 | 3,281,000 |
| Risk-weighted assets | 54,520,000 | 52,780,000 | 54,730,000 | 53,028,000 |