Call reports 2015
OPTUS BANK — 2015
What OPTUS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 57,795,000 | 57,282,000 | 54,753,000 | 52,791,000 |
| Total loans | 39,705,000 | 38,628,000 | 37,460,000 | 35,648,000 |
| Allowance for loan losses | 1,322,000 | 1,364,000 | 1,416,000 | 1,079,000 |
| Securities available for sale | 12,398,000 | 11,330,000 | 11,328,000 | 8,252,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,655,000 | 53,827,000 | 51,401,000 | 48,211,000 |
| Interest-bearing deposits | 47,377,000 | 46,584,000 | 45,047,000 | 41,556,000 |
| Noninterest-bearing deposits | 7,278,000 | 7,243,000 | 6,354,000 | 6,655,000 |
| Equity capital | 2,936,000 | 3,241,000 | 3,147,000 | 4,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 566,000 | 1,097,000 | 1,654,000 | 2,094,000 |
| Interest expense | 70,000 | 142,000 | 214,000 | 282,000 |
| Net interest income | 496,000 | 955,000 | 1,440,000 | 1,812,000 |
| Noninterest income | 131,000 | 260,000 | 371,000 | 293,000 |
| Noninterest expense | 678,000 | 1,400,000 | 2,089,000 | 3,121,000 |
| Provision for loan losses | 93,000 | 132,000 | 173,000 | 212,000 |
| Pretax income | -144,000 | -317,000 | -451,000 | -1,228,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -144,000 | -317,000 | -451,000 | -1,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,923,000 | 3,250,000 | 3,116,000 | 4,339,000 |
| Total capital | 3,570,000 | 3,864,000 | 3,701,000 | 4,879,000 |
| Risk-weighted assets | 49,836,000 | 48,330,000 | 45,969,000 | 42,680,000 |