Call reports 2013
OPTUS BANK — 2013
What OPTUS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 80,786,000 | 74,599,000 | 69,613,000 | 67,203,000 |
| Total loans | 50,077,000 | 48,218,000 | 46,854,000 | 46,270,000 |
| Allowance for loan losses | 1,984,000 | 2,045,000 | 2,075,000 | 1,972,000 |
| Securities available for sale | 15,797,000 | 14,968,000 | 14,948,000 | 11,884,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,037,000 | 70,966,000 | 65,641,000 | 63,659,000 |
| Interest-bearing deposits | 65,975,000 | 60,365,000 | 56,306,000 | 54,935,000 |
| Noninterest-bearing deposits | 11,062,000 | 10,601,000 | 9,335,000 | 8,724,000 |
| Equity capital | 3,426,000 | 3,246,000 | 3,300,000 | 3,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 761,000 | 1,727,000 | 2,549,000 | 3,101,000 |
| Interest expense | 113,000 | 211,000 | 299,000 | 384,000 |
| Net interest income | 648,000 | 1,516,000 | 2,250,000 | 2,717,000 |
| Noninterest income | 244,000 | 462,000 | 701,000 | 698,000 |
| Noninterest expense | 864,000 | 1,750,000 | 2,685,000 | 3,775,000 |
| Provision for loan losses | 150,000 | 275,000 | 314,000 | 835,000 |
| Pretax income | -122,000 | -47,000 | -48,000 | -1,195,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -122,000 | -47,000 | -48,000 | -1,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,421,000 | 3,505,000 | 3,505,000 | 3,358,000 |
| Total capital | 4,088,000 | 4,148,000 | 4,144,000 | 3,978,000 |
| Risk-weighted assets | 52,070,000 | 50,099,000 | 49,672,000 | 48,257,000 |