Call reports 2003
OPUS BANK — 2003
What OPUS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 204,976,000 | 208,586,000 | 224,976,000 | 229,456,000 |
| Total loans | 102,796,000 | 105,082,000 | 106,397,000 | 120,901,000 |
| Allowance for loan losses | 1,581,000 | 1,581,000 | 1,620,000 | 1,809,000 |
| Securities available for sale | 69,790,000 | 92,172,000 | 101,270,000 | 96,704,000 |
| Securities held to maturity | 1,614,000 | 1,614,000 | 1,614,000 | 1,621,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,978,000 | 191,989,000 | 200,656,000 | 207,164,000 |
| Interest-bearing deposits | 132,754,000 | 134,306,000 | 142,383,000 | 149,652,000 |
| Noninterest-bearing deposits | 53,224,000 | 57,683,000 | 58,273,000 | 57,512,000 |
| Equity capital | 13,541,000 | 13,785,000 | 16,069,000 | 17,305,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,604,000 | 5,247,000 | 7,982,000 | 10,554,000 |
| Interest expense | 581,000 | 1,039,000 | 1,508,000 | 2,011,000 |
| Net interest income | 2,023,000 | 4,208,000 | 6,474,000 | 8,543,000 |
| Noninterest income | 260,000 | 491,000 | 714,000 | 947,000 |
| Noninterest expense | 1,617,000 | 3,161,000 | 4,711,000 | 6,235,000 |
| Provision for loan losses | 51,000 | 53,000 | 53,000 | 242,000 |
| Pretax income | 969,000 | 1,839,000 | 2,946,000 | 3,932,000 |
| Income tax | 408,000 | 771,000 | 1,232,000 | 1,616,000 |
| Net income | 561,000 | 1,068,000 | 1,714,000 | 2,316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,951,000 | 12,107,000 | 14,649,000 | 15,312,000 |
| Total capital | 13,336,000 | 13,549,000 | 16,189,000 | 17,008,000 |
| Risk-weighted assets | 110,571,000 | 115,370,000 | 123,082,000 | 135,561,000 |
Machine access — free, no API key
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