Call reports 2021
OPPORTUNITY BANK OF MONTANA — 2021
What OPPORTUNITY BANK OF MONTANA reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,301,623,000 | 1,353,067,000 | 1,400,879,000 | 1,430,850,000 |
| Total loans | 889,949,000 | 930,756,000 | 926,965,000 | 958,958,000 |
| Allowance for loan losses | 11,900,000 | 11,900,000 | 12,200,000 | 12,500,000 |
| Securities available for sale | 175,235,000 | 229,064,000 | 235,586,000 | 267,184,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,096,592,000 | 1,148,839,000 | 1,197,703,000 | 1,226,833,000 |
| Interest-bearing deposits | 764,937,000 | 799,778,000 | 830,321,000 | 857,662,000 |
| Noninterest-bearing deposits | 331,655,000 | 349,061,000 | 367,382,000 | 369,171,000 |
| Equity capital | 172,928,000 | 174,214,000 | 176,986,000 | 177,845,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 12,074,000 | 24,271,000 | 37,167,000 | 50,068,000 |
| Interest expense | 481,000 | 900,000 | 1,295,000 | 1,685,000 |
| Net interest income | 11,593,000 | 23,371,000 | 35,872,000 | 48,383,000 |
| Noninterest income | 12,820,000 | 23,891,000 | 36,756,000 | 45,725,000 |
| Noninterest expense | 16,567,000 | 35,257,000 | 53,435,000 | 71,033,000 |
| Provision for loan losses | 299,000 | 321,000 | 576,000 | 861,000 |
| Pretax income | 7,547,000 | 11,684,000 | 18,621,000 | 22,229,000 |
| Income tax | 1,895,000 | 2,938,000 | 4,690,000 | 5,442,000 |
| Net income | 5,652,000 | 8,746,000 | 13,931,000 | 16,787,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 147,533,000 | 147,968,000 | 151,292,000 | 153,286,000 |
| Total capital | 159,007,000 | 159,868,000 | 163,492,000 | 165,786,000 |
| Risk-weighted assets | 917,455,000 | 988,160,000 | 1,032,739,000 | 1,081,820,000 |