Call reports 2022
OPPORTUNITY BANK OF MONTANA — 2022
What OPPORTUNITY BANK OF MONTANA reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,461,301,000 | 1,874,166,000 | 1,911,269,000 | 1,941,231,000 |
| Total loans | 980,976,000 | 1,267,900,000 | 1,336,562,000 | 1,361,928,000 |
| Allowance for loan losses | 12,700,000 | 13,325,000 | 13,850,000 | 14,000,000 |
| Securities available for sale | 243,610,000 | 363,172,000 | 341,133,000 | 343,644,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,273,649,000 | 1,655,124,000 | 1,679,617,000 | 1,646,324,000 |
| Interest-bearing deposits | 901,813,000 | 1,156,272,000 | 1,171,544,000 | 1,176,546,000 |
| Noninterest-bearing deposits | 371,836,000 | 498,852,000 | 508,073,000 | 469,778,000 |
| Equity capital | 168,414,000 | 201,300,000 | 193,274,000 | 201,674,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 12,850,000 | 30,002,000 | 49,457,000 | 69,934,000 |
| Interest expense | 387,000 | 898,000 | 1,750,000 | 3,865,000 |
| Net interest income | 12,463,000 | 29,104,000 | 47,707,000 | 66,069,000 |
| Noninterest income | 7,492,000 | 14,409,000 | 20,517,000 | 25,624,000 |
| Noninterest expense | 15,702,000 | 33,342,000 | 52,508,000 | 70,374,000 |
| Provision for loan losses | 279,000 | 1,137,000 | 1,654,000 | 2,001,000 |
| Pretax income | 3,974,000 | 9,039,000 | 14,060,000 | 19,312,000 |
| Income tax | 932,000 | 1,733,000 | 2,974,000 | 4,286,000 |
| Net income | 3,042,000 | 7,306,000 | 11,086,000 | 15,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 156,451,000 | 180,549,000 | 184,608,000 | 188,905,000 |
| Total capital | 169,151,000 | 193,874,000 | 198,458,000 | 202,905,000 |
| Risk-weighted assets | 1,118,039,000 | 1,456,608,000 | 1,526,495,000 | 1,556,607,000 |