Call reports 2014
OPTIMA BANK AND TRUST COMPANY — 2014
What OPTIMA BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 295,107,000 | 305,139,000 | 307,980,000 | 318,221,000 |
| Total loans | 233,497,000 | 245,473,000 | 257,689,000 | 263,828,000 |
| Allowance for loan losses | 1,955,000 | 2,126,000 | 2,173,000 | 2,174,000 |
| Securities available for sale | 40,621,000 | 40,716,000 | 38,729,000 | 25,956,000 |
| Securities held to maturity | 0 | 0 | 0 | 11,265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,798,000 | 266,245,000 | 270,210,000 | 278,495,000 |
| Interest-bearing deposits | 236,252,000 | 243,793,000 | 247,487,000 | 253,886,000 |
| Noninterest-bearing deposits | 22,546,000 | 22,452,000 | 22,723,000 | 24,609,000 |
| Equity capital | 20,959,000 | 21,505,000 | 22,109,000 | 23,454,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,716,000 | 5,530,000 | 8,467,000 | 11,502,000 |
| Interest expense | 419,000 | 870,000 | 1,344,000 | 1,852,000 |
| Net interest income | 2,297,000 | 4,660,000 | 7,123,000 | 9,650,000 |
| Noninterest income | 100,000 | 227,000 | 367,000 | 1,064,000 |
| Noninterest expense | 1,924,000 | 3,890,000 | 5,760,000 | 7,788,000 |
| Provision for loan losses | 57,000 | 227,000 | 282,000 | 282,000 |
| Pretax income | 415,000 | 769,000 | 1,443,000 | 2,636,000 |
| Income tax | 165,000 | 304,000 | 568,000 | 998,000 |
| Net income | 250,000 | 465,000 | 875,000 | 1,638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,820,000 | 23,041,000 | 23,457,000 | 24,226,000 |
| Total capital | 24,800,000 | 25,202,000 | 25,651,000 | 26,426,000 |
| Risk-weighted assets | 170,997,000 | 182,620,000 | 190,583,000 | 205,137,000 |
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