OptimumBank Holdings, Inc. (OPHC) quarterly income statement — complete revenue, gross profit & net income history
| Net Interest Income | 13.19M | 11.87M | 11.05M | 10.24M | 9.43M | 9.24M | 8.96M | 8.74M | 7.75M | 7.15M | 5.91M | 5.59M |
| NII Growth % | 39.93% | 28.52% | 23.28% | 17.16% | 21.61% | 29.23% | 51.54% | 56.33% | 53.21% | 57.06% | 37.38% | 49% |
| Net Interest Margin % | 1.04% | 1.07% | 1.02% | 1.03% | 0.96% | 0.99% | 0.95% | 0.97% | 0.82% | 0.9% | 0.83% | 0.88% |
| Interest Income | 19.45M | 17.44M | 16.32M | 15.59M | 15.01M | 15.64M | 15.33M | 15.19M | 13.46M | 11.18M | 8.9M | 8.18M |
| Interest Expense | 6.26M | 5.57M | 5.27M | 5.35M | 5.58M | 6.41M | 6.37M | 6.45M | 5.71M | 4.04M | 2.99M | 2.59M |
| Loan Loss Provision | 770K | 398K | 763K | 1.04M | -165K | 612K | 357K | 195K | 1.06M | 1.08M | 1.45M | 704K |
| Non-Interest Income | 1.78M | 1.73M | 1.98M | 1.83M | 1.23M | 1.07M | 1.11M | 1.2M | 1.24M | 1.04M | 911K | 772K |
| Non-Interest Income % | 8.4% | 9.01% | 10.83% | 10.53% | 7.58% | 6.39% | 6.78% | 7.33% | 8.43% | 8.51% | 9.28% | 8.62% |
| Total Revenue | 21.24M | 19.16M | 18.3M | 17.42M | 16.24M | 16.71M | 16.45M | 16.39M | 14.7M | 12.22M | 9.81M | 8.95M |
| Revenue Growth % | 30.79% | 14.68% | 11.27% | 6.3% | 10.43% | 36.72% | 67.62% | 83.1% | 78.34% | 57.63% | 58.63% | 86.91% |
| Non-Interest Expense | 8.01M | 6.74M | 6.6M | 6.18M | 5.63M | 4.38M | 5.29M | 5.08M | 4.71M | 3.69M | 3.65M | 3.9M |
| Efficiency Ratio | 37.7% | 35.18% | 36.08% | 35.48% | 34.65% | 26.22% | 32.13% | 31.02% | 32.03% | 30.16% | 37.21% | 43.59% |
| Operating Income | 6.2M | 6.46M | 5.66M | 4.86M | 5.2M | 5.31M | 4.43M | 4.66M | 3.22M | 3.42M | 1.73M | 1.76M |
| Operating Margin % | 29.18% | 33.69% | 30.94% | 27.87% | 32% | 31.78% | 26.96% | 28.46% | 21.93% | 28.02% | 17.61% | 19.64% |
| Operating Income Growth % | 19.28% | 21.58% | 27.69% | 4.1% | 61.17% | 55.07% | 156.66% | 165.3% | 108.54% | 64.82% | 91.36% | 38.86% |
| Pretax Income | 6.2M | 6.46M | 5.66M | 4.86M | 5.2M | 5.31M | 4.43M | 4.66M | 3.22M | 3.42M | 1.73M | 1.76M |
| Pretax Margin % | 29.18% | 33.69% | 30.94% | 27.87% | 32% | 31.78% | 26.96% | 28.46% | 21.93% | 28.02% | 17.61% | 19.64% |
| Income Tax | 1.53M | 1.6M | 1.34M | 1.25M | 1.33M | 1.36M | 1.13M | 1.17M | 847K | 876K | 459K | 446K |
| Effective Tax Rate % | 24.77% | 24.84% | 23.66% | 25.81% | 25.52% | 25.61% | 25.55% | 25.04% | 26.27% | 25.58% | 26.56% | 25.37% |
| Net Income | 4.66M | 4.85M | 4.32M | 3.6M | 3.87M | 3.95M | 3.3M | 3.5M | 2.38M | 2.55M | 1.27M | 1.31M |
| Net Margin % | 21.96% | 25.32% | 23.62% | 20.68% | 23.83% | 23.64% | 20.07% | 21.33% | 16.17% | 20.85% | 12.93% | 14.66% |
| Net Income Growth % | 20.49% | 22.83% | 30.92% | 3.03% | 62.81% | 55% | 160.2% | 166.46% | 106.16% | 64.45% | 88.56% | 38.84% |
| Net Income (Continuing) | 4.66M | 4.85M | 4.32M | 3.6M | 3.87M | 3.95M | 3.3M | 3.5M | 2.38M | 2.55M | 1.27M | 1.31M |
| EPS (Diluted) | 0.39 | 0.40 | 0.35 | 0.29 | 0.32 | 0.39 | 0.32 | 0.34 | 0.31 | 0.35 | 0.18 | 0.18 |
| EPS Growth % | 21.88% | 2.56% | 9.38% | -14.71% | 3.23% | 11.43% | 77.78% | 88.89% | 93.75% | 59.09% | 63.64% | 12.5% |
| EPS (Basic) | 0.39 | 0.41 | 0.37 | 0.31 | 0.33 | 0.38 | 0.34 | 0.36 | 0.31 | 0.35 | 0.18 | 0.18 |
| Diluted Shares Outstanding | 11.96M | 12.28M | 12.28M | 12.28M | 12.23M | 10.17M | 10.29M | 10.17M | 7.63M | 7.25M | 7.25M | 7.25M |