Call reports 2019
OPTUS BANK — 2019
What OPTUS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 64,033,000 | 68,325,000 | 72,041,000 | 78,131,000 |
| Total loans | 44,097,000 | 45,043,000 | 48,312,000 | 50,845,000 |
| Allowance for loan losses | 515,000 | 543,000 | 544,000 | 605,000 |
| Securities available for sale | 9,024,000 | 8,717,000 | 10,038,000 | 8,524,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,713,000 | 60,805,000 | 64,020,000 | 69,051,000 |
| Interest-bearing deposits | 49,198,000 | 52,564,000 | 55,731,000 | 59,133,000 |
| Noninterest-bearing deposits | 7,515,000 | 8,241,000 | 8,289,000 | 9,918,000 |
| Equity capital | 6,616,000 | 6,772,000 | 7,060,000 | 7,518,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 694,000 | 1,475,000 | 2,291,000 | 3,166,000 |
| Interest expense | 124,000 | 255,000 | 426,000 | 602,000 |
| Net interest income | 570,000 | 1,220,000 | 1,865,000 | 2,564,000 |
| Noninterest income | 132,000 | 252,000 | 615,000 | 769,000 |
| Noninterest expense | 662,000 | 1,399,000 | 2,114,000 | 2,793,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 40,000 | 73,000 | 366,000 | 540,000 |
| Income tax | 0 | 0 | 0 | 8,000 |
| Net income | 40,000 | 73,000 | 366,000 | 532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,676,000 | 6,709,000 | 7,002,000 | 7,447,000 |
| Total capital | 7,191,000 | 7,232,000 | 7,546,000 | 8,000,000 |
| Risk-weighted assets | 42,151,000 | 41,821,000 | 45,881,000 | 44,183,000 |