Call reports 2013
OPTIMA BANK AND TRUST COMPANY — 2013
What OPTIMA BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 253,176,000 | 257,870,000 | 267,177,000 | 281,698,000 |
| Total loans | 173,713,000 | 190,152,000 | 211,758,000 | 229,468,000 |
| Allowance for loan losses | 1,516,000 | 1,688,000 | 1,801,000 | 1,892,000 |
| Securities available for sale | 43,962,000 | 46,670,000 | 44,158,000 | 40,688,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,462,000 | 218,966,000 | 226,526,000 | 244,086,000 |
| Interest-bearing deposits | 202,752,000 | 201,928,000 | 208,382,000 | 221,874,000 |
| Noninterest-bearing deposits | 13,710,000 | 17,038,000 | 18,144,000 | 22,212,000 |
| Equity capital | 21,600,000 | 20,825,000 | 20,257,000 | 20,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,105,000 | 4,308,000 | 6,730,000 | 9,331,000 |
| Interest expense | 391,000 | 796,000 | 1,179,000 | 1,569,000 |
| Net interest income | 1,714,000 | 3,512,000 | 5,551,000 | 7,762,000 |
| Noninterest income | 64,000 | 154,000 | 251,000 | 335,000 |
| Noninterest expense | 1,555,000 | 3,172,000 | 4,806,000 | 6,535,000 |
| Provision for loan losses | 80,000 | 250,000 | 362,000 | 451,000 |
| Pretax income | 343,000 | 510,000 | 900,000 | 1,357,000 |
| Income tax | 119,000 | 194,000 | 357,000 | 556,000 |
| Net income | 224,000 | 316,000 | 543,000 | 801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,799,000 | 22,043,000 | 22,288,000 | 22,564,000 |
| Total capital | 23,315,000 | 23,731,000 | 24,117,000 | 24,483,000 |
| Risk-weighted assets | 129,004,000 | 142,285,000 | 155,752,000 | 168,585,000 |
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