Call reports 2010
OPTIMA BANK AND TRUST COMPANY — 2010
What OPTIMA BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 103,131,000 | 113,686,000 | 129,808,000 | 157,031,000 |
| Total loans | 78,797,000 | 89,833,000 | 95,406,000 | 114,371,000 |
| Allowance for loan losses | 781,000 | 851,000 | 885,000 | 1,002,000 |
| Securities available for sale | 0 | 0 | 0 | 3,361,000 |
| Securities held to maturity | 7,046,000 | 13,165,000 | 20,644,000 | 20,015,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,389,000 | 99,165,000 | 113,548,000 | 136,518,000 |
| Interest-bearing deposits | 86,892,000 | 94,013,000 | 106,704,000 | 124,802,000 |
| Noninterest-bearing deposits | 6,497,000 | 5,152,000 | 6,844,000 | 11,716,000 |
| Equity capital | 9,571,000 | 14,352,000 | 14,822,000 | 15,017,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,148,000 | 2,483,000 | 3,969,000 | 5,622,000 |
| Interest expense | 350,000 | 688,000 | 1,034,000 | 1,338,000 |
| Net interest income | 798,000 | 1,795,000 | 2,935,000 | 4,284,000 |
| Noninterest income | 24,000 | 63,000 | 114,000 | 163,000 |
| Noninterest expense | 731,000 | 1,585,000 | 2,493,000 | 3,345,000 |
| Provision for loan losses | 76,000 | 146,000 | 180,000 | 297,000 |
| Pretax income | 15,000 | 127,000 | 376,000 | 805,000 |
| Income tax | 5,000 | 43,000 | 129,000 | 288,000 |
| Net income | 10,000 | 84,000 | 247,000 | 517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,814,000 | 13,717,000 | 14,227,000 | 14,699,000 |
| Total capital | 9,595,000 | 14,568,000 | 15,112,000 | 15,701,000 |
| Risk-weighted assets | 67,473,000 | 70,731,000 | 75,960,000 | 88,867,000 |
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