Call reports 2016
OPTUS BANK — 2016
What OPTUS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 53,066,000 | 51,578,000 | 51,323,000 | 51,588,000 |
| Total loans | 35,141,000 | 34,634,000 | 34,096,000 | 33,397,000 |
| Allowance for loan losses | 1,109,000 | 1,084,000 | 1,081,000 | 988,000 |
| Securities available for sale | 7,270,000 | 7,242,000 | 7,183,000 | 5,071,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,061,000 | 46,953,000 | 46,872,000 | 46,099,000 |
| Interest-bearing deposits | 40,853,000 | 39,440,000 | 39,671,000 | 40,067,000 |
| Noninterest-bearing deposits | 7,208,000 | 7,513,000 | 7,201,000 | 6,032,000 |
| Equity capital | 4,780,000 | 4,275,000 | 4,240,000 | 5,060,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 523,000 | 1,019,000 | 1,517,000 | 1,920,000 |
| Interest expense | 63,000 | 126,000 | 193,000 | 263,000 |
| Net interest income | 460,000 | 893,000 | 1,324,000 | 1,657,000 |
| Noninterest income | 102,000 | 93,000 | 196,000 | 290,000 |
| Noninterest expense | 642,000 | 1,536,000 | 2,303,000 | 3,286,000 |
| Provision for loan losses | 26,000 | 77,000 | 117,000 | 156,000 |
| Pretax income | -106,000 | -627,000 | -900,000 | -1,495,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -106,000 | -627,000 | -900,000 | -1,495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,733,000 | 4,212,000 | 4,189,000 | 5,094,000 |
| Total capital | 5,266,000 | 4,728,000 | 4,702,000 | 5,596,000 |
| Risk-weighted assets | 42,025,000 | 40,745,000 | 40,459,000 | 39,678,000 |