XML 41 R38.htm IDEA: XBRL DOCUMENT
v3.19.3

Loans - Schedule of Change in Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended |
--- | --- | --- | ---
Sep. 30, 2019 | Sep. 30, 2018 | Sep. 30, 2019 | Sep. 30, 2018 | Dec. 31, 2018
Beginning balance | $ 2,053 | $ 1,899 | $ 2,243 | $ 3,991 |
(Credit) provision for loan losses | 45 |  | 45 | (2,100) |
Charge-offs |  |  | (202) | (12) |
Recoveries | 6 | 6 | 18 | 26 |
Ending balance | 2,104 | 1,905 | 2,104 | 1,905 |
Individually evaluated for impairment, Recorded investment | 3,979 |  | 3,979 |  | $ 6,743
Individually evaluated for impairment, Allowance for loan losses | 818 |  | 818 |  | 1,244
Collectively evaluated for impairment, Recorded investment | 90,172 |  | 90,172 |  | 72,545
Collectively evaluated for impairment, Allowance for loan losses | 1,286 |  | 1,286 |  | 999
Residential Real Estate [Member] |  |  |  |  |
Beginning balance | 537 | 665 | 544 | 641 |
(Credit) provision for loan losses | (5) | (118) | (12) | (94) |
Charge-offs |  |  |  |  |
Recoveries |  |  |  |  |
Ending balance | 532 | 547 | 532 | 547 |
Individually evaluated for impairment, Recorded investment | 948 |  | 948 |  | 954
Individually evaluated for impairment, Allowance for loan losses | 262 |  | 262 |  | 268
Collectively evaluated for impairment, Recorded investment | 25,735 |  | 25,735 |  | 26,250
Collectively evaluated for impairment, Allowance for loan losses | 270 |  | 270 |  | 276
Multi-Family Real Estate [Member] |  |  |  |  |
Beginning balance | 41 | 53 | 88 | 59 |
(Credit) provision for loan losses |  | 36 | (47) | 30 |
Charge-offs |  |  |  |  |
Recoveries |  |  |  |  |
Ending balance | 41 | 89 | 41 | 89 |
Individually evaluated for impairment, Recorded investment |  |  |  |  |
Individually evaluated for impairment, Allowance for loan losses |  |  |  |  |
Collectively evaluated for impairment, Recorded investment | 4,172 |  | 4,172 |  | 8,195
Collectively evaluated for impairment, Allowance for loan losses | 41 |  | 41 |  | 88
Commercial Real Estate [Member] |  |  |  |  |
Beginning balance | 658 | 706 | 545 | 725 |
(Credit) provision for loan losses | 87 | (208) | 395 | (227) |
Charge-offs |  |  | (195) |  |
Recoveries |  |  |  |  |
Ending balance | 745 | 498 | 745 | 498 |
Individually evaluated for impairment, Recorded investment | 2,219 |  | 2,219 |  | 3,861
Individually evaluated for impairment, Allowance for loan losses |  |  |  |  | 162
Collectively evaluated for impairment, Recorded investment | 49,778 |  | 49,778 |  | 31,110
Collectively evaluated for impairment, Allowance for loan losses | 745 |  | 745 |  | 386
Land and Construction [Member] |  |  |  |  |
Beginning balance | 7 | 59 | 37 | 56 |
(Credit) provision for loan losses | 7 | (34) | (35) | (43) |
Charge-offs |  |  |  |  |
Recoveries | 6 | 6 | 18 | 18 |
Ending balance | 20 | 31 | 20 | 31 |
Individually evaluated for impairment, Recorded investment |  |  |  |  |
Individually evaluated for impairment, Allowance for loan losses |  |  |  |  |
Collectively evaluated for impairment, Recorded investment | 2,077 |  | 2,077 |  | 3,661
Collectively evaluated for impairment, Allowance for loan losses | 20 |  | 20 |  | 36
Commercial [Member] |  |  |  |  |
Beginning balance | 558 | 266 | 850 | 55 |
(Credit) provision for loan losses | 32 | (4) | (260) | 207 |
Charge-offs |  |  |  |  |
Recoveries |  |  |  |  |
Ending balance | 590 | 262 | 590 | 262 |
Individually evaluated for impairment, Recorded investment | 812 |  | 812 |  | 1,928
Individually evaluated for impairment, Allowance for loan losses | 556 |  | 556 |  | 814
Collectively evaluated for impairment, Recorded investment | 3,862 |  | 3,862 |  | 3,069
Collectively evaluated for impairment, Allowance for loan losses | 34 |  | 34 |  | 36
Consumer [Member] |  |  |  |  |
Beginning balance | 11 | 42 | 25 | 86 |
(Credit) provision for loan losses | 165 | (12) | 158 | (52) |
Charge-offs |  |  | (7) | (12) |
Recoveries |  |  |  | 8 |
Ending balance | 176 | 30 | 176 | 30 |
Individually evaluated for impairment, Recorded investment |  |  |  |  |
Individually evaluated for impairment, Allowance for loan losses |  |  |  |  |
Collectively evaluated for impairment, Recorded investment | 4,548 |  | 4,548 |  | 260
Collectively evaluated for impairment, Allowance for loan losses | 176 |  | 176 |  | 25
Unallocated [Member] |  |  |  |  |
Beginning balance | 241 | 108 | 154 | 2,369 |
(Credit) provision for loan losses | (241) | 340 | (154) | (1,921) |
Charge-offs |  |  |  |  |
Recoveries |  |  |  |  |
Ending balance |  | $ 448 |  | $ 448 |
Individually evaluated for impairment, Recorded investment |  |  |  |  |
Individually evaluated for impairment, Allowance for loan losses |  |  |  |  |
Collectively evaluated for impairment, Recorded investment |  |  |  |  |
Collectively evaluated for impairment, Allowance for loan losses |  |  |  |  | $ 152

X
- Definition The valuation allowance for financing receivables that are expected to be uncollectible that were collectively evaluated for impairment. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (g) -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of valuation allowance for financing receivables that are expected to be uncollectible that were individually evaluated for impairment. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (g) -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of recovery of financing receivables doubtful of collection that were previously charged off. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 79 -URI http://asc.fasb.org/extlink&oid=118955255&loc=SL82922352-210448 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03(7)(d)) -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -Subparagraph (e) -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919249-210447 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(4) -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Amount of writeoff of financing receivable, charged against allowance for credit loss. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -Subparagraph (d) -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919249-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(3) -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 79 -URI http://asc.fasb.org/extlink&oid=118955255&loc=SL82922352-210448 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03(7)(d)) -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition The balance of financing receivables that were collectively evaluated for impairment. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (h) -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524 + Details
Name: | us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition The balance of financing receivables that were individually evaluated for impairment. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (h) -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524 + Details
Name: | us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03.7(d)) -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (g) -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 30 -Section 50 -Paragraph 2 -Subparagraph (b)(1)(ii) -URI http://asc.fasb.org/extlink&oid=118939070&loc=d3e15032-111544 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(1) -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524 Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section S99 -Paragraph 4 -Subparagraph (SAB Topic 6.L.1) -URI http://asc.fasb.org/extlink&oid=27010918&loc=d3e74567-122707 + Details
Name: | us-gaap_LoansAndLeasesReceivableAllowance
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(2) -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 220 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-04.11) -URI http://asc.fasb.org/extlink&oid=116637391&loc=SL114874048-224260 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 230 -SubTopic 10 -Section 45 -Paragraph 28 -Subparagraph (a) -URI http://asc.fasb.org/extlink&oid=118932676&loc=d3e3602-108585 + Details
Name: | us-gaap_ProvisionForLoanLeaseAndOtherLosses
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ResidentialPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=OPHC_MultiFamilyRealEstateMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_UnallocatedFinancingReceivablesMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |