Optimumbank holdings, inc. (OPHC)
Balance Sheet / TTM
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Dec'10
Assets:
Cash and due from banks

14,696

2,111

2,058

1,853

2,212

1,934

5,027

3,241

3,899

1,224

18,330

19,552

17,681

17,563

11,337

13,240

11,722

10,162

7,963

14,216

12,149

11,601

5,839

10,055

6,661

5,451

5,312

4,277

3,929

4,541

1,959

817

2,270

1,101

850

846

1,027

Interest-bearing deposits with banks

4,192

6,823

6,342

10,464

11,347

6,049

1,020

1,089

245

10,441

184

184

100

77

103

424

170

203

317

848

641

473

2,930

3,373

4,918

8,430

3,879

13,388

12,012

19,070

3,688

5,165

6,189

5,123

119

926

186

Federal funds sold

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

21,720

22,071

15,632

16,552

19,729

20,516

13,154

Total cash and cash equivalents

18,888

8,934

8,400

12,317

13,559

7,983

6,047

4,330

4,144

11,665

18,514

19,736

17,781

17,640

11,440

13,664

11,892

10,365

8,280

15,064

12,790

12,074

8,769

13,428

11,579

13,881

9,191

17,665

15,941

23,611

27,367

28,053

24,091

22,776

20,698

22,288

14,367

Debt securities available for sale

4,938

5,409

5,861

6,213

2,191

2,359

2,578

2,742

10,990

11,437

16,199

19,161

19,759

20,222

21,931

23,322

24,054

25,749

25,654

25,513

27,170

26,748

28,488

33,655

31,340

22,990

23,718

20,722

16,920

18,648

21,588

25,004

26,946

28,907

36,541

38,851

0

Debt securities held-to-maturity (fair value of $5,586 and $5,986)

5,462

5,806

6,195

6,632

6,955

7,139

7,419

7,765

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

100

-

100

100

51,057

Loans, net of allowance for loan losses of $2,198 and $2,009

107,249

102,233

92,081

80,861

78,498

77,200

76,291

71,060

69,100

68,220

69,194

69,256

75,532

76,999

81,332

79,410

83,322

82,573

77,050

82,659

79,449

75,829

75,725

71,552

77,439

79,249

82,090

84,639

86,074

85,209

85,451

86,641

88,254

89,217

95,756

102,138

113,542

Federal Home Loan Bank stock

1,091

642

642

642

642

1,132

1,215

1,215

979

979

979

979

979

1,113

1,018

1,017

1,135

966

870

1,083

1,253

1,229

1,139

1,139

1,139

1,196

1,082

1,419

1,419

1,478

1,478

1,770

2,159

2,159

2,426

2,672

3,173

Premises and equipment, net

1,483

1,389

2,753

2,676

2,669

2,668

2,672

2,627

2,671

2,593

2,601

2,608

2,630

2,648

2,680

2,706

2,694

2,703

2,739

2,765

2,801

2,836

2,820

2,842

2,878

2,879

2,913

2,941

2,941

2,906

2,859

2,738

2,673

2,691

2,707

2,736

2,796

Right-of-use lease assets

1,017

1,055

1,092

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Foreclosed real estate, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,412

2,412

2,412

4,029

3,990

4,270

4,698

4,880

4,970

4,788

7,394

7,553

7,834

7,834

11,452

10,938

10,444

9,088

7,643

7,646

7,218

5,734

3,215

Accrued interest receivable

440

432

354

370

324

314

361

328

284

316

366

343

382

380

389

350

442

462

445

436

445

426

447

474

494

496

513

503

500

499

477

484

495

499

543

597

644

Income taxes receivable

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

772

772

772

Other assets

800

848

1,927

1,559

1,884

656

1,535

697

676

656

619

672

802

701

519

767

643

631

579

861

505

508

475

486

516

539

477

178

355

454

330

370

577

577

366

269

739

Total assets

141,368

126,748

119,305

111,270

106,722

99,451

98,118

90,764

88,844

95,866

108,472

112,755

117,865

119,703

121,721

123,648

126,594

127,478

119,607

132,651

129,111

124,530

122,833

128,364

132,779

128,783

127,818

135,901

135,602

143,743

149,994

154,148

152,938

154,472

167,127

176,157

190,305

Liabilities and Stockholders' Equity:
Liabilities:
Noninterest-bearing demand deposits

14,902

10,545

11,513

10,925

11,641

9,638

10,325

12,506

12,268

12,632

8,813

7,597

6,865

7,209

9,715

7,547

3,276

9,478

5,735

14,428

7,669

9,195

6,680

5,230

5,037

3,775

2,854

3,461

2,402

4,626

1,309

427

488

515

473

417

309

Savings, NOW and money-market deposits

60,395

55,475

48,063

45,588

41,609

26,682

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Savings, NOW and money-market deposits

-

-

-

-

-

-

22,361

20,736

21,548

22,045

21,705

22,258

22,109

22,153

22,943

22,777

23,852

24,034

24,656

24,649

25,312

24,344

26,625

30,111

30,386

30,801

32,692

32,094

33,172

34,153

34,573

36,268

34,688

35,538

33,458

35,882

36,654

Time deposits

30,462

35,352

33,689

29,388

27,574

26,058

25,353

18,317

21,281

30,574

46,856

51,795

58,019

56,725

57,650

61,817

65,414

64,059

62,413

59,644

58,564

58,064

55,818

60,522

66,397

64,116

61,747

62,124

60,309

62,832

69,644

69,969

70,357

71,842

95,293

101,272

111,275

Total deposits

105,759

101,372

93,265

85,901

80,824

62,378

58,039

51,559

55,097

65,251

77,374

81,650

86,993

86,087

90,308

92,141

92,542

97,571

92,804

98,721

91,545

91,603

89,123

95,863

101,820

98,692

97,293

97,679

95,883

101,611

105,526

106,664

105,533

107,895

129,224

137,571

148,238

Federal Home Loan Bank advances

23,000

13,000

13,000

13,000

13,000

24,600

26,550

26,550

21,000

20,500

20,500

20,500

20,500

23,500

20,500

20,500

23,750

20,000

16,000

22,740

26,740

22,740

22,740

22,740

-

22,740

-

-

-

-

-

-

-

-

-

-

-

Federal funds purchased

-

-

-

-

-

-

-

-

2,767

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Federal Home Loan Bank advances

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-22,740

-

-20,200

-27,700

-27,700

-27,700

-27,700

-31,700

-31,700

-31,700

-31,700

-31,700

-31,700

Junior subordinated debenture

-

-

5,155

5,155

5,155

4,461

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

Junior subordinated debenture

2,580

2,580

-

-

-

560

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Advanced payment by borrowers for taxes and insurance

-

-

-

-

-

-

-

-

-

-

518

494

331

221

682

558

386

251

656

623

463

241

849

584

624

315

968

743

611

461

1,029

897

509

567

1,265

1,051

806

Official checks

38

208

70

142

265

274

393

299

47

46

44

194

84

36

159

205

201

130

339

792

331

219

171

383

236

344

563

818

290

581

320

1,324

457

1,113

258

854

815

Operating lease liabilities

1,027

1,061

1,095

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other liabilities

1,473

1,320

1,928

2,028

2,305

1,872

2,186

2,124

1,905

2,369

2,252

2,089

1,988

1,623

1,600

1,429

1,500

1,404

1,474

1,664

1,749

1,593

1,721

1,660

1,755

1,753

1,499

1,408

1,232

1,325

1,397

731

1,410

1,256

1,234

993

756

Total liabilities

133,877

119,541

114,513

106,226

101,549

94,145

92,323

85,687

85,971

93,321

105,843

110,082

115,051

116,622

118,404

119,988

123,534

124,511

116,428

129,695

125,983

121,551

119,759

126,385

132,330

128,999

125,678

133,503

130,871

136,833

141,127

146,471

144,764

147,686

168,836

177,324

187,470

Commitments and contingencies (Notes 1 and 8)

-

-

-

-

-

-

0

0

0

-

0

0

0

0

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

0

-

-

-

-

-

-

0

Stockholders' equity:
Preferred stock, no par value; 6,000,000 shares authorized: Designated Series A, no par value, $25,000 liquidation value per share, no shares issued and outstanding

-

-

-

-

-

-

0

0

0

-

0

0

0

0

0

0

0

0

-

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

Common stock, $.01 par value; 5,000,000 shares authorized, 2,951,353 and 2,853,171 shares issued and outstanding

29

28

19

19

18

18

17

15

13

11

11

11

11

11

11

11

10

96

95

95

95

93

93

82

82

80

80

79

315

315

309

269

265

224

8

8

8

Additional paid-in capital

39,532

38,994

36,359

36,356

36,128

36,128

36,019

35,105

34,748

34,090

34,039

34,039

34,039

34,039

34,025

34,215

33,627

33,330

33,293

33,226

33,167

32,961

32,952

31,732

31,671

31,463

31,427

31,316

31,066

31,057

30,823

29,251

29,093

27,491

19,071

19,071

19,071

Accumulated deficit

-31,918

-31,610

-31,366

-31,086

-30,660

-30,510

-29,889

-29,687

-31,591

-31,306

-31,227

-31,169

-31,000

-30,717

-30,629

-30,652

-30,597

-30,321

-30,288

-30,333

-30,340

-30,158

-30,169

-30,090

-31,433

-31,763

-29,429

-29,104

-26,845

-24,688

-22,368

-21,343

-20,573

-19,991

-19,934

-19,371

-16,244

Accumulated other comprehensive loss

-152

-205

-220

-245

-313

-330

-352

-356

-297

-250

-194

-208

-236

-252

-90

86

20

-138

79

-32

206

83

198

255

129

4

62

107

195

226

103

-500

-611

-938

-854

-875

0

Total stockholders' equity

7,491

7,207

4,792

5,044

5,173

5,306

5,795

5,077

2,873

2,545

2,629

2,673

2,814

3,081

3,317

3,660

3,060

2,967

3,179

2,956

3,128

2,979

3,074

1,979

449

-216

2,140

2,398

4,731

6,910

8,867

7,677

8,174

6,786

-1,709

-1,167

2,835

Total liabilities and stockholders' equity

141,368

126,748

119,305

111,270

106,722

99,451

98,118

90,764

88,844

95,866

108,472

112,755

117,865

119,703

121,721

123,648

126,594

127,478

119,607

132,651

129,111

124,530

122,833

128,364

132,779

128,783

127,818

135,901

135,602

143,743

149,994

154,148

152,938

154,472

167,127

176,157

190,305