Call reports 2012
OPUS BANK — 2012
What OPUS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 2,446,518,000 | 2,471,161,000 | 2,670,621,000 | 2,861,894,000 |
| Total loans | 1,560,767,000 | 1,767,165,000 | 1,902,702,000 | 2,171,279,000 |
| Allowance for loan losses | 7,159,000 | 15,779,000 | 15,507,000 | 17,581,000 |
| Securities available for sale | 146,730,000 | 127,377,000 | 128,534,000 | 157,315,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,874,968,000 | 1,863,918,000 | 2,025,382,000 | 2,004,680,000 |
| Interest-bearing deposits | 1,586,052,000 | 1,560,875,000 | 1,638,934,000 | 1,633,875,000 |
| Noninterest-bearing deposits | 288,916,000 | 303,043,000 | 386,447,000 | 370,805,000 |
| Equity capital | 504,863,000 | 511,484,000 | 521,626,000 | 527,323,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 30,705,000 | 72,411,000 | 104,967,000 | 138,224,000 |
| Interest expense | 2,179,000 | 4,922,000 | 7,551,000 | 10,149,000 |
| Net interest income | 28,526,000 | 67,489,000 | 97,416,000 | 128,075,000 |
| Noninterest income | 2,654,000 | 5,033,000 | 9,287,000 | 11,993,000 |
| Noninterest expense | 27,606,000 | 54,838,000 | 80,982,000 | 106,826,000 |
| Provision for loan losses | 255,000 | 8,888,000 | 8,616,000 | 10,689,000 |
| Pretax income | 3,323,000 | 8,800,000 | 17,109,000 | 22,557,000 |
| Income tax | -362,000 | -362,000 | -72,000 | -297,000 |
| Net income | 3,685,000 | 9,162,000 | 17,181,000 | 22,854,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 254,002,000 | 260,926,000 | 268,073,000 | 274,531,000 |
| Total capital | 261,161,000 | 276,716,000 | 283,618,000 | 292,140,000 |
| Risk-weighted assets | 1,460,750,000 | 1,612,232,000 | 1,727,886,000 | 1,938,448,000 |