Call reports 2015
OPPORTUNITY BANK OF MONTANA — 2015
What OPPORTUNITY BANK OF MONTANA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 554,929,000 | 577,726,000 | 605,669,000 | 625,070,000 |
| Total loans | 353,436,000 | 375,553,000 | 406,146,000 | 425,987,000 |
| Allowance for loan losses | 2,625,000 | 2,950,000 | 3,230,000 | 3,550,000 |
| Securities available for sale | 148,955,000 | 144,518,000 | 143,289,000 | 141,928,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 453,484,000 | 466,708,000 | 481,160,000 | 483,425,000 |
| Interest-bearing deposits | 386,936,000 | 396,661,000 | 398,384,000 | 406,360,000 |
| Noninterest-bearing deposits | 66,548,000 | 70,047,000 | 82,776,000 | 77,065,000 |
| Equity capital | 55,386,000 | 62,489,000 | 63,726,000 | 64,726,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,701,000 | 9,694,000 | 15,738,000 | 21,759,000 |
| Interest expense | 480,000 | 965,000 | 1,592,000 | 2,136,000 |
| Net interest income | 4,221,000 | 8,729,000 | 14,146,000 | 19,623,000 |
| Noninterest income | 2,479,000 | 5,502,000 | 7,728,000 | 10,241,000 |
| Noninterest expense | 6,024,000 | 12,117,000 | 18,623,000 | 25,111,000 |
| Provision for loan losses | 322,000 | 650,000 | 960,000 | 1,303,000 |
| Pretax income | 528,000 | 1,685,000 | 2,512,000 | 3,671,000 |
| Income tax | 81,000 | 307,000 | 385,000 | 537,000 |
| Net income | 447,000 | 1,378,000 | 2,127,000 | 3,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,510,000 | 56,570,000 | 56,914,000 | 57,407,000 |
| Total capital | 50,135,000 | 59,520,000 | 60,144,000 | 60,957,000 |
| Risk-weighted assets | 369,526,000 | 398,430,000 | 425,999,000 | 432,585,000 |