Call reports 2004
OPUS BANK — 2004
What OPUS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 243,120,000 | 255,733,000 | 264,362,000 | 263,331,000 |
| Total loans | 131,918,000 | 137,337,000 | 148,435,000 | 146,850,000 |
| Allowance for loan losses | 1,976,000 | 2,058,000 | 2,226,000 | 2,226,000 |
| Securities available for sale | 93,080,000 | 103,141,000 | 96,078,000 | 98,894,000 |
| Securities held to maturity | 1,620,000 | 3,319,000 | 3,318,000 | 3,317,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,426,000 | 220,480,000 | 240,389,000 | 238,573,000 |
| Interest-bearing deposits | 150,122,000 | 157,932,000 | 171,423,000 | 171,462,000 |
| Noninterest-bearing deposits | 60,304,000 | 62,548,000 | 68,966,000 | 67,111,000 |
| Equity capital | 17,752,000 | 17,881,000 | 18,167,000 | 18,835,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,641,000 | 5,443,000 | 8,560,000 | 11,811,000 |
| Interest expense | 509,000 | 977,000 | 1,508,000 | 2,057,000 |
| Net interest income | 2,132,000 | 4,466,000 | 7,052,000 | 9,754,000 |
| Noninterest income | 249,000 | 481,000 | 695,000 | 913,000 |
| Noninterest expense | 1,690,000 | 3,396,000 | 5,160,000 | 6,840,000 |
| Provision for loan losses | 169,000 | 250,000 | 415,000 | 415,000 |
| Pretax income | 570,000 | 1,349,000 | 2,213,000 | 3,627,000 |
| Income tax | 227,000 | 540,000 | 887,000 | 1,462,000 |
| Net income | 343,000 | 809,000 | 1,326,000 | 2,165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,560,000 | 16,016,000 | 15,914,000 | 16,687,000 |
| Total capital | 17,437,000 | 17,935,000 | 17,903,000 | 18,661,000 |
| Risk-weighted assets | 150,086,000 | 153,391,000 | 158,882,000 | 157,667,000 |
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