Call reports 2016
OPUS BANK — 2016
What OPUS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 6,930,603,000 | 7,468,202,000 | 7,709,424,000 | 7,882,623,000 |
| Total loans | 5,762,672,000 | 6,125,302,000 | 6,290,358,000 | 5,669,231,000 |
| Allowance for loan losses | 48,788,000 | 59,694,000 | 61,103,000 | 111,410,000 |
| Securities available for sale | 148,929,000 | 150,419,000 | 156,813,000 | 666,589,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,243,275,000 | 6,193,673,000 | 6,505,517,000 | 6,687,435,000 |
| Interest-bearing deposits | 4,326,609,000 | 5,216,271,000 | 5,568,654,000 | 5,782,603,000 |
| Noninterest-bearing deposits | 916,666,000 | 977,402,000 | 936,863,000 | 904,832,000 |
| Equity capital | 881,658,000 | 951,191,000 | 943,858,000 | 925,935,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 66,574,000 | 136,602,000 | 207,265,000 | 277,618,000 |
| Interest expense | 7,056,000 | 14,082,000 | 23,154,000 | 32,325,000 |
| Net interest income | 59,518,000 | 122,520,000 | 184,111,000 | 245,293,000 |
| Noninterest income | 4,919,000 | 17,665,000 | 33,020,000 | 59,068,000 |
| Noninterest expense | 30,864,000 | 69,269,000 | 111,595,000 | 162,742,000 |
| Provision for loan losses | 4,943,000 | 15,873,000 | 56,319,000 | 125,778,000 |
| Pretax income | 28,630,000 | 55,043,000 | 49,217,000 | 15,841,000 |
| Income tax | 11,350,000 | 21,614,000 | 18,809,000 | 4,387,000 |
| Net income | 17,280,000 | 33,429,000 | 30,408,000 | 11,454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 601,632,000 | 589,332,000 | 581,736,000 | 561,840,000 |
| Total capital | 651,885,000 | 782,712,000 | 777,285,000 | 773,245,000 |
| Risk-weighted assets | 5,570,175,000 | 6,052,956,000 | 6,360,236,000 | 6,275,075,000 |