Call reports 2018
OPTIMA BANK AND TRUST COMPANY — 2018
What OPTIMA BANK AND TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 502,399,000 | 510,324,000 | 524,176,000 | 531,594,000 |
| Total loans | 424,858,000 | 441,753,000 | 465,582,000 | 462,007,000 |
| Allowance for loan losses | 3,141,000 | 3,207,000 | 3,273,000 | 3,170,000 |
| Securities available for sale | 26,772,000 | 23,381,000 | 22,843,000 | 21,941,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 463,682,000 | 474,219,000 | 488,544,000 | 494,957,000 |
| Interest-bearing deposits | 405,431,000 | 410,851,000 | 426,532,000 | 420,080,000 |
| Noninterest-bearing deposits | 58,251,000 | 63,368,000 | 62,012,000 | 74,877,000 |
| Equity capital | 31,823,000 | 32,388,000 | 32,965,000 | 34,986,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,936,000 | 9,832,000 | 15,044,000 | 20,547,000 |
| Interest expense | 1,241,000 | 2,626,000 | 4,260,000 | 5,952,000 |
| Net interest income | 3,695,000 | 7,206,000 | 10,784,000 | 14,595,000 |
| Noninterest income | 448,000 | 707,000 | 975,000 | 1,224,000 |
| Noninterest expense | 3,037,000 | 6,045,000 | 9,027,000 | 12,077,000 |
| Provision for loan losses | 66,000 | 146,000 | 291,000 | 246,000 |
| Pretax income | 1,060,000 | 1,805,000 | 2,524,000 | 3,578,000 |
| Income tax | 303,000 | 514,000 | 715,000 | 1,002,000 |
| Net income | 757,000 | 1,291,000 | 1,809,000 | 2,576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,286,000 | 32,778,000 | 33,313,000 | 35,245,000 |
| Total capital | 35,483,000 | 36,042,000 | 36,643,000 | 38,483,000 |
| Risk-weighted assets | 333,680,000 | 343,740,000 | 363,066,000 | 345,767,000 |