Call reports 2024
OPPORTUNITY BANK OF MONTANA — 2024
What OPPORTUNITY BANK OF MONTANA reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 2,072,313,000 | 2,095,409,000 | 2,142,054,000 | 2,099,462,000 |
| Total loans | 1,507,000,000 | 1,528,011,000 | 1,548,081,000 | 1,534,014,000 |
| Allowance for loan losses | 16,410,000 | 16,830,000 | 17,130,000 | 16,850,000 |
| Securities available for sale | 310,451,000 | 306,115,000 | 306,229,000 | 291,859,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,645,383,000 | 1,629,279,000 | 1,662,401,000 | 1,700,772,000 |
| Interest-bearing deposits | 1,236,011,000 | 1,227,558,000 | 1,241,911,000 | 1,273,265,000 |
| Noninterest-bearing deposits | 409,372,000 | 401,721,000 | 420,490,000 | 427,507,000 |
| Equity capital | 220,298,000 | 222,019,000 | 229,798,000 | 227,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 25,107,000 | 51,081,000 | 78,009,000 | 104,761,000 |
| Interest expense | 9,101,000 | 18,668,000 | 28,999,000 | 38,291,000 |
| Net interest income | 16,006,000 | 32,413,000 | 49,010,000 | 66,470,000 |
| Noninterest income | 3,785,000 | 7,848,000 | 12,649,000 | 17,276,000 |
| Noninterest expense | 16,767,000 | 33,790,000 | 50,805,000 | 68,101,000 |
| Provision for loan losses | -95,000 | 327,000 | 643,000 | 408,000 |
| Pretax income | 3,162,000 | 6,160,000 | 10,286,000 | 14,982,000 |
| Income tax | 582,000 | 1,247,000 | 2,015,000 | 2,542,000 |
| Net income | 2,580,000 | 4,913,000 | 8,271,000 | 12,440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 204,031,000 | 205,661,000 | 207,959,000 | 211,066,000 |
| Total capital | 221,691,000 | 223,731,000 | 226,289,000 | 229,316,000 |
| Risk-weighted assets | 1,683,609,000 | 1,701,780,000 | 1,721,755,000 | 1,700,203,000 |