Call reports 2012
OPPORTUNITY BANK OF MONTANA — 2012
What OPPORTUNITY BANK OF MONTANA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 318,031,000 | 314,681,000 | 306,502,000 | 502,636,000 |
| Total loans | 190,868,000 | 186,076,000 | 178,145,000 | 230,910,000 |
| Allowance for loan losses | 1,700,000 | 1,625,000 | 1,800,000 | 1,825,000 |
| Securities available for sale | 80,272,000 | 76,986,000 | 84,996,000 | 200,290,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,403,000 | 222,778,000 | 222,671,000 | 416,699,000 |
| Interest-bearing deposits | 196,573,000 | 199,064,000 | 196,210,000 | 362,858,000 |
| Noninterest-bearing deposits | 24,830,000 | 23,714,000 | 26,461,000 | 53,841,000 |
| Equity capital | 43,801,000 | 43,715,000 | 44,137,000 | 51,362,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,417,000 | 6,570,000 | 9,700,000 | 13,151,000 |
| Interest expense | 741,000 | 1,391,000 | 1,935,000 | 2,498,000 |
| Net interest income | 2,676,000 | 5,179,000 | 7,765,000 | 10,653,000 |
| Noninterest income | 823,000 | 1,680,000 | 2,933,000 | 4,355,000 |
| Noninterest expense | 2,440,000 | 4,935,000 | 7,551,000 | 11,225,000 |
| Provision for loan losses | 258,000 | 518,000 | 753,000 | 940,000 |
| Pretax income | 916,000 | 1,717,000 | 2,705,000 | 3,154,000 |
| Income tax | 225,000 | 391,000 | 640,000 | 532,000 |
| Net income | 691,000 | 1,326,000 | 2,065,000 | 2,622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,598,000 | 41,714,000 | 41,977,000 | 41,625,000 |
| Total capital | 43,298,000 | 43,339,000 | 43,777,000 | 43,450,000 |
| Risk-weighted assets | 203,143,000 | 197,785,000 | 193,802,000 | 273,031,000 |