Call reports 2017
OPPORTUNITY BANK OF MONTANA — 2017
What OPPORTUNITY BANK OF MONTANA reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 677,925,000 | 704,330,000 | 697,215,000 | 701,960,000 |
| Total loans | 497,290,000 | 524,337,000 | 519,789,000 | 522,103,000 |
| Allowance for loan losses | 5,075,000 | 5,225,000 | 5,500,000 | 5,750,000 |
| Securities available for sale | 122,577,000 | 118,576,000 | 116,559,000 | 118,930,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 526,686,000 | 514,611,000 | 525,845,000 | 520,601,000 |
| Interest-bearing deposits | 430,949,000 | 422,800,000 | 420,979,000 | 420,679,000 |
| Noninterest-bearing deposits | 95,737,000 | 91,811,000 | 104,866,000 | 99,922,000 |
| Equity capital | 77,644,000 | 79,771,000 | 80,944,000 | 92,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 6,379,000 | 13,351,000 | 20,625,000 | 28,001,000 |
| Interest expense | 585,000 | 1,284,000 | 1,998,000 | 2,771,000 |
| Net interest income | 5,794,000 | 12,067,000 | 18,627,000 | 25,230,000 |
| Noninterest income | 2,893,000 | 6,149,000 | 9,785,000 | 12,973,000 |
| Noninterest expense | 7,060,000 | 14,207,000 | 21,153,000 | 28,368,000 |
| Provision for loan losses | 301,000 | 603,000 | 934,000 | 1,228,000 |
| Pretax income | 1,326,000 | 3,392,000 | 6,311,000 | 8,644,000 |
| Income tax | 327,000 | 982,000 | 1,805,000 | 2,406,000 |
| Net income | 999,000 | 2,410,000 | 4,506,000 | 6,238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,559,000 | 71,505,000 | 73,145,000 | 84,590,000 |
| Total capital | 75,634,000 | 76,730,000 | 78,645,000 | 90,340,000 |
| Risk-weighted assets | 491,861,000 | 508,604,000 | 510,837,000 | 518,909,000 |