Call reports 2020
BANK OF WESTERN OKLAHOMA — 2020
What BANK OF WESTERN OKLAHOMA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 311,552,000 | 329,968,000 | 328,514,000 | 340,774,000 |
| Total loans | 248,105,000 | 262,950,000 | 261,911,000 | 253,499,000 |
| Allowance for loan losses | 2,502,000 | 2,704,000 | 2,689,000 | 2,541,000 |
| Securities available for sale | 29,708,000 | 32,403,000 | 36,226,000 | 49,452,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,349,000 | 300,778,000 | 299,056,000 | 310,853,000 |
| Interest-bearing deposits | 221,675,000 | 222,177,000 | 224,621,000 | 226,233,000 |
| Noninterest-bearing deposits | 61,674,000 | 78,601,000 | 74,435,000 | 84,620,000 |
| Equity capital | 26,511,000 | 27,621,000 | 27,800,000 | 28,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,884,000 | 8,213,000 | 11,859,000 | 15,864,000 |
| Interest expense | 852,000 | 1,633,000 | 2,382,000 | 3,090,000 |
| Net interest income | 3,032,000 | 6,580,000 | 9,477,000 | 12,774,000 |
| Noninterest income | 157,000 | 285,000 | 440,000 | 713,000 |
| Noninterest expense | 2,018,000 | 3,901,000 | 5,783,000 | 7,649,000 |
| Provision for loan losses | 0 | 247,000 | 247,000 | 447,000 |
| Pretax income | 1,171,000 | 2,717,000 | 3,887,000 | 5,391,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,171,000 | 2,717,000 | 3,887,000 | 5,391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,791,000 | 24,695,000 | 24,865,000 | 25,353,000 |
| Total capital | 26,293,000 | 27,399,000 | 27,554,000 | 27,894,000 |
| Risk-weighted assets | 240,886,000 | 238,682,000 | 237,506,000 | 237,606,000 |