Call reports 2016
OPPORTUNITY BANK OF MONTANA — 2016
What OPPORTUNITY BANK OF MONTANA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 637,619,000 | 658,379,000 | 669,192,000 | 668,242,000 |
| Total loans | 441,165,000 | 465,035,000 | 480,555,000 | 484,391,000 |
| Allowance for loan losses | 3,940,000 | 4,260,000 | 4,650,000 | 4,770,000 |
| Securities available for sale | 141,314,000 | 136,780,000 | 130,205,000 | 124,709,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 494,504,000 | 508,960,000 | 515,498,000 | 513,747,000 |
| Interest-bearing deposits | 404,251,000 | 420,772,000 | 426,580,000 | 430,870,000 |
| Noninterest-bearing deposits | 90,253,000 | 88,188,000 | 88,918,000 | 82,877,000 |
| Equity capital | 65,687,000 | 68,118,000 | 68,996,000 | 67,609,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,654,000 | 11,409,000 | 17,662,000 | 24,121,000 |
| Interest expense | 590,000 | 1,182,000 | 1,774,000 | 2,366,000 |
| Net interest income | 5,064,000 | 10,227,000 | 15,888,000 | 21,755,000 |
| Noninterest income | 2,633,000 | 6,023,000 | 10,220,000 | 14,312,000 |
| Noninterest expense | 6,180,000 | 12,458,000 | 19,172,000 | 26,351,000 |
| Provision for loan losses | 450,000 | 909,000 | 1,381,000 | 1,833,000 |
| Pretax income | 1,067,000 | 2,967,000 | 5,749,000 | 8,132,000 |
| Income tax | 255,000 | 668,000 | 1,484,000 | 2,222,000 |
| Net income | 812,000 | 2,299,000 | 4,265,000 | 5,910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,444,000 | 58,494,000 | 59,962,000 | 60,860,000 |
| Total capital | 61,384,000 | 62,754,000 | 64,612,000 | 65,630,000 |
| Risk-weighted assets | 448,722,000 | 452,806,000 | 460,822,000 | 467,232,000 |