Call reports 2001
OPUS BANK — 2001
What OPUS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 154,724,000 | 159,197,000 | 166,174,000 | 158,767,000 |
| Total loans | 83,098,000 | 87,864,000 | 89,686,000 | 92,813,000 |
| Allowance for loan losses | 817,000 | 889,000 | 921,000 | 953,000 |
| Securities available for sale | 58,995,000 | 57,609,000 | 47,756,000 | 55,167,000 |
| Securities held to maturity | 1,619,000 | 1,619,000 | 1,619,000 | 1,617,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,773,000 | 144,028,000 | 153,033,000 | 145,383,000 |
| Interest-bearing deposits | 109,168,000 | 109,832,000 | 116,965,000 | 107,123,000 |
| Noninterest-bearing deposits | 32,605,000 | 34,196,000 | 36,068,000 | 38,260,000 |
| Equity capital | 10,442,000 | 10,928,000 | 11,175,000 | 11,596,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,985,000 | 5,890,000 | 8,627,000 | 11,473,000 |
| Interest expense | 1,319,000 | 2,460,000 | 3,511,000 | 4,387,000 |
| Net interest income | 1,666,000 | 3,430,000 | 5,116,000 | 7,086,000 |
| Noninterest income | 341,000 | 588,000 | 772,000 | 962,000 |
| Noninterest expense | 1,204,000 | 2,397,000 | 3,577,000 | 4,763,000 |
| Provision for loan losses | 15,000 | 81,000 | 146,000 | 176,000 |
| Pretax income | 793,000 | 1,545,000 | 2,273,000 | 3,194,000 |
| Income tax | 358,000 | 679,000 | 990,000 | 1,381,000 |
| Net income | 407,000 | 838,000 | 1,255,000 | 1,785,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,347,000 | 9,689,000 | 9,982,000 | 10,389,000 |
| Total capital | 10,164,000 | 10,578,000 | 10,903,000 | 11,349,000 |
| Risk-weighted assets | 86,409,000 | 90,755,000 | 90,560,000 | 95,454,000 |
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