Call reports 2009
OPTIMA BANK AND TRUST COMPANY — 2009
What OPTIMA BANK AND TRUST COMPANY 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 | 53,664,000 | 65,498,000 | 78,444,000 | 91,319,000 |
| Total loans | 37,846,000 | 50,518,000 | 62,807,000 | 70,457,000 |
| Allowance for loan losses | 332,000 | 446,000 | 554,000 | 705,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,812,000 | 6,100,000 | 6,419,000 | 5,899,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,524,000 | 57,681,000 | 70,722,000 | 82,436,000 |
| Interest-bearing deposits | 43,657,000 | 55,648,000 | 67,361,000 | 78,582,000 |
| Noninterest-bearing deposits | 1,867,000 | 2,033,000 | 3,361,000 | 3,854,000 |
| Equity capital | 7,872,000 | 7,567,000 | 7,457,000 | 8,597,000 |
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 | 545,000 | 1,290,000 | 2,251,000 | 3,294,000 |
| Interest expense | 227,000 | 482,000 | 789,000 | 1,123,000 |
| Net interest income | 318,000 | 808,000 | 1,462,000 | 2,171,000 |
| Noninterest income | 7,000 | 18,000 | 38,000 | 73,000 |
| Noninterest expense | 652,000 | 1,351,000 | 2,034,000 | 2,923,000 |
| Provision for loan losses | 77,000 | 191,000 | 299,000 | 450,000 |
| Pretax income | -404,000 | -716,000 | -833,000 | -1,129,000 |
| Income tax | 0 | 0 | 0 | -1,429,000 |
| Net income | -404,000 | -716,000 | -833,000 | 300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,872,000 | 7,567,000 | 7,457,000 | 7,628,000 |
| Total capital | 8,204,000 | 8,013,000 | 8,011,000 | 8,333,000 |
| Risk-weighted assets | 32,284,000 | 44,663,000 | 54,386,000 | 57,463,000 |
Machine access — free, no API key
Every figure shown here about OPTIMA BANK AND TRUST COMPANY — 2009 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.