Call reports 2019
BANK OF WESTERN OKLAHOMA — 2019
What BANK OF WESTERN OKLAHOMA reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 301,131,000 | 304,029,000 | 312,095,000 | 304,841,000 |
| Total loans | 236,911,000 | 246,380,000 | 251,789,000 | 251,244,000 |
| Allowance for loan losses | 2,375,000 | 2,376,000 | 2,432,000 | 2,511,000 |
| Securities available for sale | 18,145,000 | 26,241,000 | 23,260,000 | 28,348,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,807,000 | 276,816,000 | 284,265,000 | 276,703,000 |
| Interest-bearing deposits | 213,634,000 | 219,228,000 | 218,440,000 | 217,459,000 |
| Noninterest-bearing deposits | 61,173,000 | 57,588,000 | 65,825,000 | 59,244,000 |
| Equity capital | 24,859,000 | 25,574,000 | 25,932,000 | 26,135,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,060,000 | 8,343,000 | 12,676,000 | 16,813,000 |
| Interest expense | 745,000 | 1,582,000 | 2,477,000 | 3,376,000 |
| Net interest income | 3,315,000 | 6,761,000 | 10,199,000 | 13,437,000 |
| Noninterest income | 218,000 | 437,000 | 673,000 | 891,000 |
| Noninterest expense | 2,073,000 | 4,179,000 | 6,274,000 | 8,300,000 |
| Provision for loan losses | 93,000 | 93,000 | 148,000 | 228,000 |
| Pretax income | 1,367,000 | 2,926,000 | 4,450,000 | 5,800,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,367,000 | 2,926,000 | 4,450,000 | 5,800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,435,000 | 23,076,000 | 23,435,000 | 23,621,000 |
| Total capital | 24,810,000 | 25,452,000 | 25,867,000 | 26,132,000 |
| Risk-weighted assets | 224,597,000 | 233,552,000 | 238,804,000 | 239,413,000 |