Call reports 2012
OPTIMUMBANK — 2012
What OPTIMUMBANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 152,751,000 | 154,082,000 | 149,994,000 | 143,825,000 |
| Total loans | 90,229,000 | 88,742,000 | 87,301,000 | 87,668,000 |
| Allowance for loan losses | 1,975,000 | 2,102,000 | 1,936,000 | 2,459,000 |
| Securities available for sale | 26,946,000 | 25,004,000 | 21,588,000 | 18,648,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,538,000 | 108,444,000 | 107,008,000 | 102,762,000 |
| Interest-bearing deposits | 105,044,000 | 106,236,000 | 104,217,000 | 96,957,000 |
| Noninterest-bearing deposits | 1,494,000 | 2,208,000 | 2,791,000 | 5,805,000 |
| Equity capital | 13,206,000 | 12,808,000 | 14,102,000 | 12,261,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,310,000 | 2,595,000 | 3,889,000 | 5,208,000 |
| Interest expense | 639,000 | 1,273,000 | 1,864,000 | 2,423,000 |
| Net interest income | 671,000 | 1,322,000 | 2,025,000 | 2,785,000 |
| Noninterest income | 4,000 | 193,000 | 192,000 | 113,000 |
| Noninterest expense | 1,153,000 | 2,509,000 | 3,936,000 | 5,138,000 |
| Provision for loan losses | 27,000 | 181,000 | 378,000 | 1,653,000 |
| Pretax income | -505,000 | -1,175,000 | -2,097,000 | -4,302,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -505,000 | -1,175,000 | -2,097,000 | -4,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,817,000 | 13,308,000 | 13,999,000 | 12,035,000 |
| Total capital | 15,270,000 | 14,712,000 | 15,390,000 | 13,421,000 |
| Risk-weighted assets | 115,702,000 | 111,656,000 | 110,744,000 | 109,850,000 |