Call reports 2018
OPPORTUNITY BANK OF MONTANA — 2018
What OPPORTUNITY BANK OF MONTANA reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 801,799,000 | 813,680,000 | 829,884,000 | 843,686,000 |
| Total loans | 575,962,000 | 593,428,000 | 605,388,000 | 624,252,000 |
| Allowance for loan losses | 6,130,000 | 6,150,000 | 6,350,000 | 6,600,000 |
| Securities available for sale | 145,711,000 | 142,199,000 | 138,112,000 | 131,381,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 625,984,000 | 613,229,000 | 621,482,000 | 627,756,000 |
| Interest-bearing deposits | 491,923,000 | 479,372,000 | 479,006,000 | 484,839,000 |
| Noninterest-bearing deposits | 134,061,000 | 133,857,000 | 142,476,000 | 142,917,000 |
| Equity capital | 100,431,000 | 102,166,000 | 103,246,000 | 105,963,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 7,942,000 | 16,912,000 | 25,760,000 | 34,875,000 |
| Interest expense | 764,000 | 1,577,000 | 2,568,000 | 3,682,000 |
| Net interest income | 7,178,000 | 15,335,000 | 23,192,000 | 31,193,000 |
| Noninterest income | 2,516,000 | 5,131,000 | 8,542,000 | 12,035,000 |
| Noninterest expense | 7,747,000 | 16,316,000 | 24,774,000 | 33,315,000 |
| Provision for loan losses | 502,000 | 526,000 | 720,000 | 980,000 |
| Pretax income | 1,340,000 | 3,533,000 | 6,149,000 | 8,768,000 |
| Income tax | 235,000 | 645,000 | 1,166,000 | 1,471,000 |
| Net income | 1,105,000 | 2,888,000 | 4,983,000 | 7,297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,511,000 | 89,492,000 | 91,853,000 | 93,531,000 |
| Total capital | 93,641,000 | 95,642,000 | 98,203,000 | 100,131,000 |
| Risk-weighted assets | 585,842,000 | 610,991,000 | 622,348,000 | 624,909,000 |