Call reports 2014
OPPORTUNITY BANK OF MONTANA — 2014
What OPPORTUNITY BANK OF MONTANA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 513,327,000 | 532,679,000 | 548,695,000 | 555,380,000 |
| Total loans | 270,172,000 | 293,361,000 | 322,570,000 | 336,307,000 |
| Allowance for loan losses | 2,175,000 | 2,125,000 | 2,300,000 | 2,450,000 |
| Securities available for sale | 185,836,000 | 184,562,000 | 174,682,000 | 158,046,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 439,600,000 | 427,748,000 | 441,453,000 | 441,558,000 |
| Interest-bearing deposits | 379,178,000 | 368,911,000 | 374,485,000 | 380,622,000 |
| Noninterest-bearing deposits | 60,422,000 | 58,837,000 | 66,967,000 | 60,936,000 |
| Equity capital | 47,860,000 | 50,004,000 | 51,920,000 | 54,360,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,288,000 | 8,752,000 | 13,428,000 | 18,309,000 |
| Interest expense | 481,000 | 961,000 | 1,455,000 | 1,948,000 |
| Net interest income | 3,807,000 | 7,791,000 | 11,973,000 | 16,361,000 |
| Noninterest income | 1,795,000 | 3,930,000 | 6,229,000 | 8,359,000 |
| Noninterest expense | 5,475,000 | 10,832,000 | 16,296,000 | 22,064,000 |
| Provision for loan losses | 128,000 | 296,000 | 511,000 | 811,000 |
| Pretax income | 194,000 | 815,000 | 1,810,000 | 2,415,000 |
| Income tax | 12,000 | 49,000 | 116,000 | -689,000 |
| Net income | 182,000 | 766,000 | 1,694,000 | 3,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,830,000 | 44,457,000 | 45,427,000 | 46,544,000 |
| Total capital | 46,005,000 | 46,582,000 | 47,727,000 | 48,994,000 |
| Risk-weighted assets | 307,797,000 | 326,034,000 | 345,659,000 | 360,480,000 |
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