Call reports 2012
OPTIMA BANK AND TRUST COMPANY — 2012
What OPTIMA BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 211,454,000 | 226,270,000 | 232,706,000 | 245,610,000 |
| Total loans | 143,095,000 | 152,051,000 | 156,465,000 | 164,443,000 |
| Allowance for loan losses | 1,315,000 | 1,461,000 | 1,455,000 | 1,456,000 |
| Securities available for sale | 40,130,000 | 34,273,000 | 39,426,000 | 40,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,405,000 | 194,145,000 | 198,628,000 | 214,289,000 |
| Interest-bearing deposits | 175,776,000 | 174,038,000 | 186,811,000 | 194,340,000 |
| Noninterest-bearing deposits | 10,629,000 | 20,107,000 | 11,817,000 | 19,949,000 |
| Equity capital | 17,100,000 | 20,923,000 | 21,230,000 | 21,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,137,000 | 4,253,000 | 6,360,000 | 8,490,000 |
| Interest expense | 444,000 | 877,000 | 1,290,000 | 1,702,000 |
| Net interest income | 1,693,000 | 3,376,000 | 5,070,000 | 6,788,000 |
| Noninterest income | 53,000 | 127,000 | 195,000 | 311,000 |
| Noninterest expense | 1,315,000 | 2,801,000 | 4,192,000 | 5,545,000 |
| Provision for loan losses | 140,000 | 330,000 | 330,000 | 330,000 |
| Pretax income | 311,000 | 835,000 | 1,367,000 | 1,974,000 |
| Income tax | 111,000 | 297,000 | 500,000 | 724,000 |
| Net income | 200,000 | 538,000 | 867,000 | 1,250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,722,000 | 20,521,000 | 20,937,000 | 21,500,000 |
| Total capital | 18,037,000 | 21,889,000 | 22,369,000 | 22,956,000 |
| Risk-weighted assets | 106,656,000 | 109,360,000 | 114,522,000 | 122,127,000 |