Call reports 2015
OPTIMA BANK AND TRUST COMPANY — 2015
What OPTIMA BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 322,861,000 | 343,498,000 | 353,549,000 | 368,629,000 |
| Total loans | 266,046,000 | 287,070,000 | 300,932,000 | 314,552,000 |
| Allowance for loan losses | 2,185,000 | 2,271,000 | 2,247,000 | 2,438,000 |
| Securities available for sale | 19,674,000 | 15,423,000 | 15,220,000 | 14,231,000 |
| Securities held to maturity | 11,270,000 | 11,226,000 | 11,208,000 | 11,212,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,555,000 | 303,292,000 | 311,413,000 | 330,746,000 |
| Interest-bearing deposits | 260,604,000 | 275,496,000 | 284,046,000 | 301,756,000 |
| Noninterest-bearing deposits | 22,951,000 | 27,796,000 | 27,367,000 | 28,990,000 |
| Equity capital | 23,931,000 | 24,376,000 | 24,991,000 | 25,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,981,000 | 6,132,000 | 9,442,000 | 12,875,000 |
| Interest expense | 521,000 | 1,102,000 | 1,718,000 | 2,320,000 |
| Net interest income | 2,460,000 | 5,030,000 | 7,724,000 | 10,555,000 |
| Noninterest income | 225,000 | 764,000 | 1,074,000 | 1,817,000 |
| Noninterest expense | 2,192,000 | 4,345,000 | 6,438,000 | 8,666,000 |
| Provision for loan losses | 10,000 | 95,000 | 251,000 | 442,000 |
| Pretax income | 496,000 | 1,369,000 | 2,124,000 | 3,313,000 |
| Income tax | 186,000 | 506,000 | 768,000 | 1,243,000 |
| Net income | 310,000 | 863,000 | 1,356,000 | 2,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,562,000 | 25,128,000 | 25,632,000 | 26,359,000 |
| Total capital | 26,773,000 | 27,424,000 | 27,910,000 | 28,831,000 |
| Risk-weighted assets | 206,574,000 | 227,043,000 | 230,687,000 | 248,712,000 |