Call reports 2018
OPTUS BANK — 2018
What OPTUS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 52,284,000 | 56,329,000 | 59,771,000 | 65,052,000 |
| Total loans | 31,711,000 | 33,437,000 | 34,591,000 | 43,146,000 |
| Allowance for loan losses | 569,000 | 502,000 | 503,000 | 498,000 |
| Securities available for sale | 8,448,000 | 7,717,000 | 10,094,000 | 9,314,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,451,000 | 50,517,000 | 53,408,000 | 55,212,000 |
| Interest-bearing deposits | 40,342,000 | 43,738,000 | 46,576,000 | 48,407,000 |
| Noninterest-bearing deposits | 6,109,000 | 6,779,000 | 6,832,000 | 6,805,000 |
| Equity capital | 5,135,000 | 5,248,000 | 5,663,000 | 6,477,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 509,000 | 1,146,000 | 1,781,000 | 2,473,000 |
| Interest expense | 79,000 | 171,000 | 276,000 | 389,000 |
| Net interest income | 430,000 | 975,000 | 1,505,000 | 2,084,000 |
| Noninterest income | 169,000 | 268,000 | 397,000 | 856,000 |
| Noninterest expense | 673,000 | 1,375,000 | 2,085,000 | 2,800,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -74,000 | -132,000 | -183,000 | 140,000 |
| Income tax | 0 | 0 | 0 | 3,000 |
| Net income | -74,000 | -132,000 | -183,000 | 137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,332,000 | 5,459,000 | 5,907,000 | 6,636,000 |
| Total capital | 5,758,000 | 5,906,000 | 6,367,000 | 7,134,000 |
| Risk-weighted assets | 33,915,000 | 35,676,000 | 36,794,000 | 42,646,000 |