Call reports 2015
BANK OF WESTERN OKLAHOMA — 2015
What BANK OF WESTERN OKLAHOMA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 247,283,000 | 233,165,000 | 227,993,000 | 243,996,000 |
| Total loans | 187,242,000 | 189,188,000 | 195,425,000 | 206,991,000 |
| Allowance for loan losses | 1,360,000 | 1,354,000 | 1,353,000 | 1,328,000 |
| Securities available for sale | 24,765,000 | 24,021,000 | 12,248,000 | 12,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,183,000 | 209,791,000 | 207,029,000 | 222,696,000 |
| Interest-bearing deposits | 154,058,000 | 144,536,000 | 145,485,000 | 164,679,000 |
| Noninterest-bearing deposits | 73,125,000 | 65,255,000 | 61,544,000 | 58,017,000 |
| Equity capital | 19,685,000 | 20,044,000 | 20,458,000 | 20,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,571,000 | 5,194,000 | 7,874,000 | 10,624,000 |
| Interest expense | 150,000 | 300,000 | 451,000 | 613,000 |
| Net interest income | 2,421,000 | 4,894,000 | 7,423,000 | 10,011,000 |
| Noninterest income | 217,000 | 467,000 | 701,000 | 930,000 |
| Noninterest expense | 1,800,000 | 3,508,000 | 5,238,000 | 7,115,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 838,000 | 1,853,000 | 2,898,000 | 3,838,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 838,000 | 1,853,000 | 2,898,000 | 3,838,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,220,000 | 17,591,000 | 17,992,000 | 18,289,000 |
| Total capital | 18,580,000 | 18,945,000 | 19,345,000 | 19,616,000 |
| Risk-weighted assets | 174,361,000 | 175,188,000 | 179,869,000 | 191,529,000 |