Call reports 2020
OPPORTUNITY BANK OF MONTANA — 2020
What OPPORTUNITY BANK OF MONTANA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,148,328,000 | 1,224,430,000 | 1,242,961,000 | 1,246,129,000 |
| Total loans | 847,221,000 | 898,542,000 | 889,962,000 | 894,756,000 |
| Allowance for loan losses | 9,250,000 | 10,500,000 | 11,300,000 | 11,600,000 |
| Securities available for sale | 162,802,000 | 159,388,000 | 160,102,000 | 157,796,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 888,876,000 | 958,343,000 | 1,001,576,000 | 1,037,793,000 |
| Interest-bearing deposits | 664,815,000 | 686,662,000 | 705,783,000 | 718,810,000 |
| Noninterest-bearing deposits | 224,061,000 | 271,681,000 | 295,793,000 | 318,983,000 |
| Equity capital | 148,271,000 | 154,848,000 | 162,747,000 | 169,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 12,705,000 | 24,915,000 | 37,358,000 | 49,997,000 |
| Interest expense | 1,818,000 | 3,146,000 | 4,211,000 | 4,909,000 |
| Net interest income | 10,887,000 | 21,769,000 | 33,147,000 | 45,088,000 |
| Noninterest income | 7,961,000 | 20,096,000 | 34,615,000 | 46,141,000 |
| Noninterest expense | 12,275,000 | 26,691,000 | 42,394,000 | 57,748,000 |
| Provision for loan losses | 670,000 | 1,897,000 | 2,751,000 | 3,130,000 |
| Pretax income | 5,903,000 | 14,345,000 | 23,685,000 | 31,084,000 |
| Income tax | 1,471,000 | 3,671,000 | 6,050,000 | 7,894,000 |
| Net income | 4,432,000 | 10,674,000 | 17,635,000 | 23,190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 124,716,000 | 128,915,000 | 136,032,000 | 141,741,000 |
| Total capital | 133,966,000 | 139,415,000 | 147,332,000 | 153,204,000 |
| Risk-weighted assets | 866,852,000 | 893,099,000 | 911,045,000 | 916,940,000 |