Call reports 2015
OPUS BANK — 2015
What OPUS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 5,562,252,000 | 5,833,222,000 | 6,183,506,000 | 6,649,977,000 |
| Total loans | 4,357,131,000 | 4,629,448,000 | 5,001,867,000 | 5,496,080,000 |
| Allowance for loan losses | 24,878,000 | 30,660,000 | 36,809,000 | 44,147,000 |
| Securities available for sale | 254,104,000 | 234,766,000 | 224,122,000 | 155,101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,343,820,000 | 4,595,318,000 | 4,953,433,000 | 5,310,840,000 |
| Interest-bearing deposits | 3,502,458,000 | 3,791,011,000 | 4,082,968,000 | 4,331,479,000 |
| Noninterest-bearing deposits | 841,362,000 | 804,307,000 | 870,465,000 | 979,361,000 |
| Equity capital | 824,511,000 | 838,944,000 | 851,871,000 | 867,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 51,688,000 | 114,060,000 | 172,271,000 | 236,146,000 |
| Interest expense | 6,044,000 | 12,128,000 | 18,392,000 | 25,086,000 |
| Net interest income | 45,644,000 | 101,932,000 | 153,879,000 | 211,060,000 |
| Noninterest income | 2,886,000 | 9,354,000 | 15,737,000 | 21,305,000 |
| Noninterest expense | 26,802,000 | 55,444,000 | 82,368,000 | 110,420,000 |
| Provision for loan losses | 3,560,000 | 9,357,000 | 16,953,000 | 24,967,000 |
| Pretax income | 18,168,000 | 46,847,000 | 71,095,000 | 97,778,000 |
| Income tax | 7,092,000 | 18,286,000 | 27,823,000 | 37,835,000 |
| Net income | 11,076,000 | 28,561,000 | 43,272,000 | 59,943,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 519,434,000 | 542,229,000 | 563,107,000 | 585,772,000 |
| Total capital | 545,082,000 | 573,778,000 | 601,006,000 | 631,199,000 |
| Risk-weighted assets | 4,022,023,000 | 4,442,008,000 | 4,917,915,000 | 5,417,643,000 |