Call reports 2005
OPUS BANK — 2005
What OPUS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 279,350,000 | 282,558,000 | 281,619,000 | 275,300,000 |
| Total loans | 146,630,000 | 138,626,000 | 138,352,000 | 148,217,000 |
| Allowance for loan losses | 2,226,000 | 2,214,000 | 2,197,000 | 2,224,000 |
| Securities available for sale | 96,907,000 | 121,863,000 | 118,792,000 | 113,314,000 |
| Securities held to maturity | 3,274,000 | 3,275,000 | 3,232,000 | 2,231,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,460,000 | 259,018,000 | 254,627,000 | 244,521,000 |
| Interest-bearing deposits | 183,445,000 | 180,158,000 | 174,878,000 | 170,920,000 |
| Noninterest-bearing deposits | 75,015,000 | 78,860,000 | 79,749,000 | 73,601,000 |
| Equity capital | 19,424,000 | 20,202,000 | 20,263,000 | 21,214,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,458,000 | 7,126,000 | 10,989,000 | 15,019,000 |
| Interest expense | 572,000 | 1,245,000 | 1,927,000 | 2,919,000 |
| Net interest income | 2,886,000 | 5,881,000 | 9,062,000 | 12,100,000 |
| Noninterest income | 272,000 | 487,000 | 678,000 | 901,000 |
| Noninterest expense | 1,810,000 | 3,662,000 | 5,516,000 | 7,362,000 |
| Provision for loan losses | 0 | 0 | 0 | 29,000 |
| Pretax income | 1,348,000 | 2,723,000 | 4,241,000 | 5,627,000 |
| Income tax | 548,000 | 1,106,000 | 1,722,000 | 2,286,000 |
| Net income | 800,000 | 1,617,000 | 2,519,000 | 3,341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,346,000 | 18,053,000 | 18,304,000 | 19,500,000 |
| Total capital | 19,371,000 | 20,085,000 | 20,354,000 | 21,663,000 |
| Risk-weighted assets | 161,759,000 | 162,353,000 | 163,868,000 | 172,987,000 |
Machine access — free, no API key
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