Call reports 2014
OPTUS BANK — 2014
What OPTUS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 66,280,000 | 65,357,000 | 61,783,000 | 58,702,000 |
| Total loans | 44,662,000 | 44,122,000 | 42,808,000 | 41,533,000 |
| Allowance for loan losses | 1,880,000 | 1,912,000 | 1,891,000 | 1,818,000 |
| Securities available for sale | 10,888,000 | 11,929,000 | 11,865,000 | 11,352,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,138,000 | 62,117,000 | 58,677,000 | 55,442,000 |
| Interest-bearing deposits | 53,852,000 | 53,173,000 | 50,529,000 | 48,292,000 |
| Noninterest-bearing deposits | 9,286,000 | 8,944,000 | 8,148,000 | 7,150,000 |
| Equity capital | 2,896,000 | 2,945,000 | 2,849,000 | 3,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 709,000 | 1,332,000 | 1,885,000 | 2,383,000 |
| Interest expense | 80,000 | 157,000 | 233,000 | 306,000 |
| Net interest income | 629,000 | 1,175,000 | 1,652,000 | 2,077,000 |
| Noninterest income | 162,000 | 342,000 | 532,000 | 319,000 |
| Noninterest expense | 1,122,000 | 1,884,000 | 2,626,000 | 3,313,000 |
| Provision for loan losses | 17,000 | 17,000 | 17,000 | 154,000 |
| Pretax income | -348,000 | -384,000 | -459,000 | -1,071,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -348,000 | -384,000 | -459,000 | -1,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,009,000 | 2,973,000 | 2,899,000 | 3,067,000 |
| Total capital | 3,602,000 | 3,569,000 | 3,481,000 | 3,631,000 |
| Risk-weighted assets | 46,156,000 | 46,378,000 | 45,275,000 | 43,844,000 |