Call reports 2009
OPUS BANK — 2009
What OPUS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 289,238,000 | 289,642,000 | 288,068,000 | 281,316,000 |
| Total loans | 158,115,000 | 149,049,000 | 140,854,000 | 131,543,000 |
| Allowance for loan losses | 2,540,000 | 2,109,000 | 2,109,000 | 2,107,000 |
| Securities available for sale | 92,880,000 | 81,615,000 | 70,654,000 | 67,904,000 |
| Securities held to maturity | 279,000 | 279,000 | 225,000 | 225,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,929,000 | 241,187,000 | 241,112,000 | 234,082,000 |
| Interest-bearing deposits | 169,533,000 | 163,811,000 | 161,680,000 | 162,009,000 |
| Noninterest-bearing deposits | 72,396,000 | 77,376,000 | 79,432,000 | 72,073,000 |
| Equity capital | 12,116,000 | 13,397,000 | 12,219,000 | 11,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,910,000 | 7,397,000 | 10,532,000 | 13,277,000 |
| Interest expense | 952,000 | 1,785,000 | 2,514,000 | 3,232,000 |
| Net interest income | 2,958,000 | 5,612,000 | 8,018,000 | 10,045,000 |
| Noninterest income | 265,000 | 438,000 | 695,000 | 996,000 |
| Noninterest expense | 2,420,000 | 4,705,000 | 7,169,000 | 10,415,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,055,000 | -326,000 | -2,062,000 | -2,980,000 |
| Income tax | 425,000 | -155,000 | -886,000 | -1,157,000 |
| Net income | 630,000 | -171,000 | -1,176,000 | -1,823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,977,000 | 12,856,000 | 13,449,000 | 13,294,000 |
| Total capital | 15,524,000 | 14,972,000 | 15,565,000 | 15,408,000 |
| Risk-weighted assets | 213,365,000 | 237,912,000 | 253,443,000 | 243,952,000 |
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