Call reports 2019
OPPORTUNITY BANK OF MONTANA — 2019
What OPPORTUNITY BANK OF MONTANA reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 970,330,000 | 997,919,000 | 1,012,304,000 | 1,039,105,000 |
| Total loans | 736,095,000 | 776,194,000 | 778,481,000 | 804,846,000 |
| Allowance for loan losses | 7,100,000 | 7,750,000 | 8,200,000 | 8,600,000 |
| Securities available for sale | 130,328,000 | 114,233,000 | 126,706,000 | 121,723,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 741,236,000 | 748,433,000 | 789,834,000 | 809,067,000 |
| Interest-bearing deposits | 561,033,000 | 565,190,000 | 590,617,000 | 609,032,000 |
| Noninterest-bearing deposits | 180,203,000 | 183,243,000 | 199,217,000 | 200,035,000 |
| Equity capital | 124,023,000 | 127,233,000 | 130,903,000 | 130,165,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 11,143,000 | 22,823,000 | 34,641,000 | 46,665,000 |
| Interest expense | 1,382,000 | 2,970,000 | 4,692,000 | 6,296,000 |
| Net interest income | 9,761,000 | 19,853,000 | 29,949,000 | 40,369,000 |
| Noninterest income | 3,670,000 | 8,976,000 | 17,298,000 | 23,376,000 |
| Noninterest expense | 9,693,000 | 19,945,000 | 31,634,000 | 43,327,000 |
| Provision for loan losses | 604,000 | 1,301,000 | 1,995,000 | 2,627,000 |
| Pretax income | 3,096,000 | 7,649,000 | 13,684,000 | 17,866,000 |
| Income tax | 1,005,000 | 1,877,000 | 3,062,000 | 4,161,000 |
| Net income | 2,091,000 | 5,772,000 | 10,622,000 | 13,705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 105,300,000 | 108,607,000 | 111,698,000 | 111,713,000 |
| Total capital | 112,400,000 | 116,357,000 | 119,898,000 | 120,313,000 |
| Risk-weighted assets | 733,686,000 | 776,749,000 | 763,829,000 | 789,943,000 |