Call reports 2023
OPPORTUNITY BANK OF MONTANA — 2023
What OPPORTUNITY BANK OF MONTANA reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,980,533,000 | 2,020,919,000 | 2,060,699,000 | 2,071,461,000 |
| Total loans | 1,387,349,000 | 1,443,864,000 | 1,493,653,000 | 1,495,921,000 |
| Allowance for loan losses | 15,000,000 | 15,560,000 | 16,230,000 | 16,440,000 |
| Securities available for sale | 348,574,000 | 325,142,000 | 308,008,000 | 317,484,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,619,658,000 | 1,588,826,000 | 1,624,170,000 | 1,647,220,000 |
| Interest-bearing deposits | 1,159,224,000 | 1,156,301,000 | 1,188,488,000 | 1,228,335,000 |
| Noninterest-bearing deposits | 460,434,000 | 432,525,000 | 435,682,000 | 418,885,000 |
| Equity capital | 207,739,000 | 209,310,000 | 205,363,000 | 219,035,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 20,849,000 | 43,287,000 | 67,531,000 | 92,286,000 |
| Interest expense | 3,684,000 | 9,988,000 | 17,842,000 | 26,537,000 |
| Net interest income | 17,165,000 | 33,299,000 | 49,689,000 | 65,749,000 |
| Noninterest income | 4,674,000 | 10,547,000 | 16,417,000 | 21,886,000 |
| Noninterest expense | 16,271,000 | 34,602,000 | 52,323,000 | 71,008,000 |
| Provision for loan losses | 279,000 | 688,000 | 1,466,000 | 1,666,000 |
| Pretax income | 5,134,000 | 8,513,000 | 12,476,000 | 15,097,000 |
| Income tax | 1,269,000 | 1,882,000 | 2,618,000 | 2,512,000 |
| Net income | 3,865,000 | 6,631,000 | 9,858,000 | 12,585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 191,495,000 | 194,588,000 | 198,133,000 | 201,179,000 |
| Total capital | 207,995,000 | 211,558,000 | 215,583,000 | 218,909,000 |
| Risk-weighted assets | 1,600,881,000 | 1,636,786,000 | 1,688,959,000 | 1,682,784,000 |