Call reports 2017
OPTUS BANK — 2017
What OPTUS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 52,853,000 | 49,154,000 | 47,776,000 | 52,586,000 |
| Total loans | 31,818,000 | 30,106,000 | 29,312,000 | 31,689,000 |
| Allowance for loan losses | 981,000 | 601,000 | 564,000 | 567,000 |
| Securities available for sale | 6,056,000 | 6,014,000 | 5,956,000 | 9,550,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,584,000 | 44,004,000 | 41,504,000 | 46,860,000 |
| Interest-bearing deposits | 40,539,000 | 36,396,000 | 35,586,000 | 40,976,000 |
| Noninterest-bearing deposits | 7,045,000 | 7,608,000 | 5,918,000 | 5,883,000 |
| Equity capital | 5,033,000 | 4,973,000 | 5,758,000 | 5,187,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 446,000 | 966,000 | 1,462,000 | 1,901,000 |
| Interest expense | 75,000 | 148,000 | 214,000 | 282,000 |
| Net interest income | 371,000 | 818,000 | 1,248,000 | 1,619,000 |
| Noninterest income | 360,000 | 17,000 | 133,000 | 287,000 |
| Noninterest expense | 776,000 | 1,588,000 | 2,286,000 | 3,268,000 |
| Provision for loan losses | 0 | 110,000 | 162,000 | 257,000 |
| Pretax income | -45,000 | -863,000 | -1,067,000 | -1,619,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -45,000 | -863,000 | -1,067,000 | -1,619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,049,000 | 4,981,000 | 5,777,000 | 5,226,000 |
| Total capital | 5,539,000 | 5,416,000 | 6,195,000 | 5,658,000 |
| Risk-weighted assets | 38,722,000 | 34,668,000 | 33,275,000 | 34,431,000 |