OptimumBank Holdings, Inc. OPHC Income Statement

Optimumbank holdings, inc. (OPHC)

Income statement / TTM

Mar'20	Dec'19	Sep'19	Jun'19	Mar'19	Dec'18	Sep'18	Jun'18	Mar'18	Dec'17	Sep'17	Jun'17	Mar'17	Dec'16	Sep'16	Jun'16	Mar'16	Dec'15	Sep'15	Jun'15	Mar'15	Dec'14	Sep'14	Jun'14	Mar'14	Dec'13	Sep'13	Jun'13	Mar'13	Dec'12	Sep'12	Jun'12	Mar'12	Dec'11	Sep'11	Jun'11	Mar'11	Sep'10	Jun'10
Interest income:
Loans
5,016	4,693	4,370	4,245	4,086	3,912	4,023	3,980	3,997	4,126	4,016	4,126	4,225	4,200	4,193	4,085	3,998	3,865	3,745	3,722	4,280	4,366	4,648	4,771	4,313	4,433	4,272	4,223	4,138	4,040	4,020	4,116	4,331	4,625	5,100	5,567	0	0	0
Debt securities
241	245	229	220	221	232	248	290	318	366	398	419	442	459	509	540	561	597	638	740	872	959	987	933	840	783	791	840	932	1,038	1,141	1,274	1,498	1,729	1,881	1,997	0	0	0
Other
218	236	242	220	175	148	165	194	220	224	193	152	121	105	88	84	77	72	72	78	72	67	70	60	61	64	71	77	84	84	82	77	69	68	73	75	0	0	0
Total interest income
5,475	5,174	4,841	4,685	4,482	4,292	4,436	4,464	4,535	4,716	4,607	4,697	4,788	4,764	4,790	4,709	4,636	4,534	4,455	4,540	5,224	5,392	5,705	5,764	5,214	5,280	5,134	5,140	5,154	5,162	5,243	5,467	5,898	6,422	7,054	7,639	0	0	0
Interest expense:
Deposits
1,616	1,503	1,253	952	687	510	465	525	606	674	702	716	726	728	718	699	675	648	629	621	632	662	705	752	798	842	904	975	1,041	1,103	1,241	1,410	1,623	1,882	2,214	2,471	0	0	0
Borrowings
484	543	609	695	752	736	698	623	570	522	469	419	377	351	320	289	253	236	239	242	245	249	388	556	803	1,077	1,217	1,345	1,424	1,478	1,528	1,558	1,554	1,545	1,544	1,575	0	0	0
Total interest expense
2,100	2,046	1,862	1,647	1,439	1,246	1,163	1,148	1,176	1,196	1,171	1,135	1,103	1,079	1,038	988	928	884	868	863	877	911	1,093	1,308	1,601	1,919	2,121	2,320	2,465	2,581	2,769	2,968	3,177	3,427	3,758	4,046	0	0	0
Net interest income
3,375	3,128	2,979	3,038	3,043	3,046	3,273	3,316	3,359	3,520	3,436	3,562	3,685	3,685	3,752	3,721	3,708	3,650	3,587	3,677	4,347	4,481	4,612	4,456	3,613	3,361	3,013	2,820	2,689	2,581	2,474	2,499	2,721	2,995	3,296	3,593	0	0	0
Provision for loan losses
0	-	0	-	-	-	-	0	-	-	0	0	0	-	0	0	-	-	-	-	-	-	-	0	822	2,194	3,469	3,666	2,998	1,653	-422	-862	-156	-149	1,657	3,401	0	0	0
Net interest income after provision for loan losses
3,265	3,207	2,588	2,692	4,797	4,800	5,373	5,416	3,359	3,520	3,436	3,562	3,685	3,685	3,752	3,721	3,708	3,650	3,587	3,677	4,347	4,481	4,612	4,456	2,791	1,167	-456	-846	-309	928	2,896	3,361	2,877	3,144	1,639	192	0	0	0
Noninterest income:
Service charges and fees
133	106	132	130	61	49	-18	24	30	26	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Service charges and fees
-	-	-	-	-	-	-	-	-	-	-	-	-	24	113	152	144	141	275	232	284	284	139	146	104	122	135	119	103	72	25	25	23	30	39	36	0	0	0
Loan costs recovery
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other
85	76	36	30	46	35	64	48	16	15	0	0	0	-	0	0	-	211	290	209	135	152	137	136	131	42	26	26	197	186	323	323	191	196	54	60	0	0	0
Gain on sale of securities available for sale
-	-	-	-	-	-	-	-	-	-	0	-	-	-186	0	0	0	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loan prepayment fees
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-
Loan prepayment fees
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Gain on sale of securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	0	-	-	-	0	0	-	0	0
Total noninterest income
218	182	167	159	107	84	51	84	57	52	-197	-220	-182	-144	164	305	359	412	259	107	555	572	746	732	215	144	141	145	300	258	348	348	367	379	246	251	0	0	0
Noninterest expenses:
Salaries and employee benefits
2,069	2,022	2,028	1,996	1,927	1,864	1,827	1,790	1,766	1,770	1,690	1,697	1,748	1,774	1,886	1,916	1,904	1,902	1,859	1,884	1,905	1,963	2,030	2,042	2,117	2,081	2,001	1,969	1,824	1,746	1,711	1,690	1,725	1,791	1,860	1,904	0	0	0
Professional fees
609	537	520	562	592	558	635	613	632	784	706	723	716	659	652	672	653	594	763	797	882	862	857	849	995	1,082	1,051	1,137	1,043	1,114	1,117	1,251	1,422	1,573	1,602	1,670	0	0	0
Occupancy and equipment
522	487	481	478	446	437	444	419	419	415	442	463	469	495	456	462	476	476	506	519	521	504	500	504	509	536	533	523	0	-	0	0	-	-	-	-	-	-	-
Occupancy and equipment
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	522	536	546	564	0	0	0
Data processing
484	491	513	484	454	407	368	352	339	342	345	326	326	333	325	332	314	298	249	238	249	307	364	367	367	310	296	267	251	229	206	204	190	192	200	204	0	0	0
Insurance
0	-	90	87	0	-	95	98	96	95	95	98	99	103	107	109	113	115	115	122	129	136	142	185	228	270	313	302	293	285	279	310	353	397	373	287	0	0	0
Foreclosed real estate, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Stationary and supplies
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	0	-	0	0
Foreclosed real estate, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	503	192	-195	-654	-479	-513	538	1,262	1,209	1,388	767	550	585	474	996	1,319	1,217	1,377	0	0	0
Regulatory assessment
0	-	46	58	0	-	158	178	190	202	184	208	231	253	294	298	302	298	305	318	351	387	387	380	351	334	345	353	349	305	364	435	517	694	667	635	0	0	0
Loss on early extinguishment of debt
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Other
809	789	815	846	637	822	562	569	565	553	532	504	469	443	493	472	461	450	-15	-42	-33	-57	429	483	463	281	439	462	594	733	655	658	650	727	631	562	0	0	0
Total noninterest expenses
4,745	4,541	4,284	4,302	4,021	4,088	4,089	4,019	4,007	4,161	3,829	3,859	3,906	3,937	4,262	4,663	4,644	4,545	4,285	4,028	3,809	3,448	5,778	5,845	7,116	7,704	6,179	6,401	5,650	5,474	5,433	5,537	6,375	7,229	7,114	7,233	0	0	0
Net loss before income tax benefit
-1,262	-1,152	-1,529	-1,451	883	796	0	0	0	-	-	-	-	-	-	-	-	-	0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total other-than-temporary impairment losses
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	362	463	0	0	-	0	-	-	-	-	-	-	-	-
Portion of losses recognized in other comprehensive income
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	0	0	-	0	-	-	-	-
Net impairment loss
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-
Net impairment loss
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	409	204	0	0	-	0	-	-	-	-
Net impairment loss
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-
Income tax benefit
-	-52	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net loss
-1,262	-1,100	-1,477	-1,399	935	796	1,335	1,481	-591	-589	-595	-517	-403	-396	-341	-317	-257	-163	-119	-244	1,093	1,605	-740	-986	-4,588	-7,075	-7,061	-7,761	-6,272	-4,697	-2,434	-1,972	-3,172	-3,747	-5,229	-6,790	0	0	0
Net (loss) earnings per share:
Basic
-	-	-	-	-	-	-	-	-	-	-	-	-0.26	-	-	-	-0.29	-	-	-	-0.19	-	-	-	0.04	-	-0.05	-	-0.27	-	-0.14	-	-0.03	-	-0.69	-	-1.41	-1.88	-2.59
Diluted
-	-	-	-	-	-	-	-	-	-	-	-	-0.26	-	-	-	-0.29	-	-	-	-0.19	-	-	-	0.04	-	-0.05	-	-0.27	-	-0.14	-	-0.03	-	-0.69	-	-1.41	-1.88	-2.59
Net loss per share - Basic and diluted
-0.11	-0.12	-0.15	-0.23	-0.08	-0.45	-0.13	1.35	-0.24	-	-0.05	-0.15	-	-	0.02	-0.06	-	-	0.05	0.01	-	-	-0.01	0.16	-	-	-	-0.29	-	-	-	-0.12	-	-	-	-2.40	-	-	-
Dividends per share (in dollars per share)
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.00	-	-	-	-	-	-	0.00	0.00	0.00	-	0.00	0.00	0.00	0.00	0.00
Dividends per share
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.00	-	-	-	-	-	-	-	-	-	-