Call reports 2022
OPTUS BANK — 2022
What OPTUS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 338,615,000 | 373,163,000 | 380,944,000 | 405,324,000 |
| Total loans | 151,637,000 | 164,405,000 | 192,588,000 | 229,393,000 |
| Allowance for loan losses | 803,000 | 868,000 | 1,037,000 | 1,226,000 |
| Securities available for sale | 8,446,000 | 17,588,000 | 28,534,000 | 40,731,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,120,000 | 310,435,000 | 317,372,000 | 329,083,000 |
| Interest-bearing deposits | 258,426,000 | 227,756,000 | 246,099,000 | 258,053,000 |
| Noninterest-bearing deposits | 46,694,000 | 82,679,000 | 71,273,000 | 71,029,000 |
| Equity capital | 31,758,000 | 61,112,000 | 60,932,000 | 63,481,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,039,000 | 4,144,000 | 7,326,000 | 12,322,000 |
| Interest expense | 308,000 | 657,000 | 1,258,000 | 1,886,000 |
| Net interest income | 1,731,000 | 3,487,000 | 6,068,000 | 10,436,000 |
| Noninterest income | 178,000 | 448,000 | 574,000 | 1,106,000 |
| Noninterest expense | 1,258,000 | 2,753,000 | 4,632,000 | 6,596,000 |
| Provision for loan losses | 100,000 | 150,000 | 339,000 | 597,000 |
| Pretax income | 551,000 | 1,032,000 | 1,671,000 | 4,349,000 |
| Income tax | 102,000 | 226,000 | 355,000 | 964,000 |
| Net income | 449,000 | 806,000 | 1,316,000 | 3,385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,636,000 | 62,017,000 | 62,185,000 | 64,930,000 |
| Total capital | — | — | 63,222,000 | 66,156,000 |
| Risk-weighted assets | — | — | 213,238,000 | 251,343,000 |