Call reports 2016
BANK OF WESTERN OKLAHOMA — 2016
What BANK OF WESTERN OKLAHOMA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 239,712,000 | 236,116,000 | 239,665,000 | 245,381,000 |
| Total loans | 200,813,000 | 201,652,000 | 208,966,000 | 214,417,000 |
| Allowance for loan losses | 1,358,000 | 1,375,000 | 1,358,000 | 1,608,000 |
| Securities available for sale | 12,233,000 | 12,247,000 | 10,023,000 | 9,999,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,292,000 | 214,250,000 | 217,493,000 | 222,316,000 |
| Interest-bearing deposits | 159,455,000 | 155,656,000 | 164,068,000 | 167,701,000 |
| Noninterest-bearing deposits | 58,837,000 | 58,594,000 | 53,425,000 | 54,615,000 |
| Equity capital | 20,859,000 | 21,172,000 | 21,498,000 | 21,819,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,777,000 | 5,545,000 | 8,380,000 | 11,336,000 |
| Interest expense | 163,000 | 324,000 | 504,000 | 699,000 |
| Net interest income | 2,614,000 | 5,221,000 | 7,876,000 | 10,637,000 |
| Noninterest income | 211,000 | 448,000 | 666,000 | 914,000 |
| Noninterest expense | 1,886,000 | 3,757,000 | 5,570,000 | 7,421,000 |
| Provision for loan losses | 30,000 | 60,000 | 150,000 | 400,000 |
| Pretax income | 909,000 | 1,852,000 | 2,822,000 | 3,730,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 909,000 | 1,852,000 | 2,822,000 | 3,730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,405,000 | 18,705,000 | 19,032,000 | 19,378,000 |
| Total capital | 19,763,000 | 20,080,000 | 20,390,000 | 20,986,000 |
| Risk-weighted assets | 186,530,000 | 186,924,000 | 193,584,000 | 198,485,000 |