Call reports 2013
OPPORTUNITY BANK OF MONTANA — 2013
What OPPORTUNITY BANK OF MONTANA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 507,657,000 | 504,206,000 | 507,701,000 | 510,347,000 |
| Total loans | 225,349,000 | 237,484,000 | 256,062,000 | 264,154,000 |
| Allowance for loan losses | 1,900,000 | 2,000,000 | 2,000,000 | 2,120,000 |
| Securities available for sale | 221,084,000 | 213,673,000 | 196,728,000 | 190,024,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 423,075,000 | 418,292,000 | 429,163,000 | 433,149,000 |
| Interest-bearing deposits | 366,595,000 | 364,964,000 | 366,079,000 | 376,059,000 |
| Noninterest-bearing deposits | 56,480,000 | 53,329,000 | 63,084,000 | 57,089,000 |
| Equity capital | 51,168,000 | 47,808,000 | 46,764,000 | 46,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,074,000 | 8,002,000 | 12,110,000 | 16,394,000 |
| Interest expense | 513,000 | 1,048,000 | 1,552,000 | 2,048,000 |
| Net interest income | 3,561,000 | 6,954,000 | 10,558,000 | 14,346,000 |
| Noninterest income | 2,649,000 | 5,528,000 | 8,002,000 | 9,925,000 |
| Noninterest expense | 5,548,000 | 11,473,000 | 17,037,000 | 22,353,000 |
| Provision for loan losses | 116,000 | 257,000 | 415,000 | 569,000 |
| Pretax income | 957,000 | 1,648,000 | 2,434,000 | 3,081,000 |
| Income tax | 51,000 | 36,000 | 76,000 | 114,000 |
| Net income | 906,000 | 1,612,000 | 2,358,000 | 2,967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,569,000 | 43,334,000 | 43,773,000 | 43,910,000 |
| Total capital | 44,468,000 | 45,334,000 | 45,773,000 | 46,030,000 |
| Risk-weighted assets | 268,189,000 | 282,203,000 | 293,494,000 | 302,764,000 |