Call reports 2025
OPTIMUMBANK — 2025
What OPTIMUMBANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 977,176,000 | 998,910,000 | 1,082,700,000 | 1,111,487,000 |
| Total loans | 799,503,000 | 783,886,000 | 812,829,000 | 957,566,000 |
| Allowance for loan losses | 8,270,000 | 9,338,000 | 10,018,000 | 10,273,000 |
| Securities available for sale | 23,043,000 | 22,377,000 | 22,926,000 | 25,184,000 |
| Securities held to maturity | 3,388,000 | 3,373,000 | 3,355,000 | 3,318,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 854,083,000 | 879,969,000 | 960,559,000 | 933,325,000 |
| Interest-bearing deposits | 617,155,000 | 619,049,000 | 645,515,000 | 665,230,000 |
| Noninterest-bearing deposits | 236,928,000 | 260,920,000 | 315,044,000 | 268,095,000 |
| Equity capital | 107,105,000 | 110,827,000 | 116,178,000 | 120,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 15,008,000 | 30,597,000 | 46,916,000 | 64,355,000 |
| Interest expense | 5,581,000 | 10,928,000 | 16,200,000 | 21,768,000 |
| Net interest income | 9,427,000 | 19,669,000 | 30,716,000 | 42,587,000 |
| Noninterest income | 1,221,000 | 3,052,000 | 5,030,000 | 6,690,000 |
| Noninterest expense | 5,124,000 | 10,804,000 | 16,905,000 | 23,399,000 |
| Provision for loan losses | -143,000 | 899,000 | 1,539,000 | 1,927,000 |
| Pretax income | 5,689,000 | 11,042,000 | 17,203,000 | 23,842,000 |
| Income tax | 1,452,000 | 2,832,000 | 4,293,000 | 5,942,000 |
| Net income | 4,237,000 | 8,210,000 | 12,910,000 | 17,900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 112,303,000 | 116,277,000 | 120,976,000 | 125,466,000 |