Call reports 2019
OPTIMA BANK AND TRUST COMPANY — 2019
What OPTIMA BANK AND TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 |
|---|---|
| Total assets | 534,464,000 |
| Total loans | 474,258,000 |
| Allowance for loan losses | 3,247,000 |
| Securities available for sale | 21,762,000 |
| Securities held to maturity | 0 |
| Trading assets | 0 |
| Total deposits | 471,824,000 |
| Interest-bearing deposits | 406,313,000 |
| Noninterest-bearing deposits | 65,511,000 |
| Equity capital | 35,690,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 |
|---|---|
| Interest income | 5,496,000 |
| Interest expense | 1,783,000 |
| Net interest income | 3,713,000 |
| Noninterest income | 266,000 |
| Noninterest expense | 3,114,000 |
| Provision for loan losses | 70,000 |
| Pretax income | 795,000 |
| Income tax | 171,000 |
| Net income | 624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 |
|---|---|
| Tier 1 capital | 35,928,000 |
| Total capital | 39,213,000 |
| Risk-weighted assets | 349,632,000 |