Call reports 2011
OPTIMA BANK AND TRUST COMPANY — 2011
What OPTIMA BANK AND TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 162,059,000 | 177,082,000 | 185,810,000 | 193,525,000 |
| Total loans | 119,343,000 | 125,766,000 | 131,291,000 | 143,061,000 |
| Allowance for loan losses | 1,138,000 | 1,415,000 | 1,148,000 | 1,314,000 |
| Securities available for sale | 5,913,000 | 11,832,000 | 9,988,000 | 14,885,000 |
| Securities held to maturity | 19,205,000 | 18,738,000 | 18,179,000 | 18,330,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,491,000 | 152,394,000 | 165,645,000 | 171,708,000 |
| Interest-bearing deposits | 130,932,000 | 142,773,000 | 156,978,000 | 163,544,000 |
| Noninterest-bearing deposits | 8,559,000 | 9,621,000 | 8,667,000 | 8,164,000 |
| Equity capital | 15,218,000 | 15,537,000 | 15,910,000 | 16,254,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,783,000 | 3,718,000 | 5,728,000 | 7,805,000 |
| Interest expense | 333,000 | 710,000 | 1,141,000 | 1,568,000 |
| Net interest income | 1,450,000 | 3,008,000 | 4,587,000 | 6,237,000 |
| Noninterest income | 40,000 | 104,000 | 175,000 | 252,000 |
| Noninterest expense | 962,000 | 2,022,000 | 3,264,000 | 4,479,000 |
| Provision for loan losses | 242,000 | 519,000 | 819,000 | 985,000 |
| Pretax income | 286,000 | 631,000 | 1,062,000 | 1,438,000 |
| Income tax | 97,000 | 215,000 | 374,000 | 436,000 |
| Net income | 189,000 | 416,000 | 688,000 | 1,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,003,000 | 15,376,000 | 15,720,000 | 15,990,000 |
| Total capital | 16,141,000 | 16,605,000 | 16,868,000 | 17,304,000 |
| Risk-weighted assets | 92,087,000 | 98,125,000 | 99,716,000 | 108,102,000 |