Call reports 2023
BANK OF WESTERN OKLAHOMA — 2023
What BANK OF WESTERN OKLAHOMA reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 359,118,000 | 367,887,000 | 372,881,000 | 380,050,000 |
| Total loans | 264,021,000 | 278,046,000 | 288,797,000 | 300,176,000 |
| Allowance for loan losses | 2,520,000 | 2,553,000 | 2,556,000 | 2,563,000 |
| Securities available for sale | 42,762,000 | 56,866,000 | 50,346,000 | 45,640,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 326,157,000 | 334,008,000 | 337,342,000 | 343,089,000 |
| Interest-bearing deposits | 241,454,000 | 243,743,000 | 250,483,000 | 255,661,000 |
| Noninterest-bearing deposits | 84,703,000 | 90,265,000 | 86,859,000 | 87,428,000 |
| Equity capital | 30,627,000 | 31,275,000 | 32,165,000 | 33,297,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,812,000 | 12,251,000 | 19,239,000 | 26,668,000 |
| Interest expense | 935,000 | 2,278,000 | 3,925,000 | 5,799,000 |
| Net interest income | 4,877,000 | 9,973,000 | 15,314,000 | 20,869,000 |
| Noninterest income | 223,000 | 425,000 | 628,000 | 812,000 |
| Noninterest expense | 2,383,000 | 4,825,000 | 7,446,000 | 10,226,000 |
| Provision for loan losses | 0 | 28,000 | 29,000 | 38,000 |
| Pretax income | 2,532,000 | 5,344,000 | 8,267,000 | 11,216,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,532,000 | 5,344,000 | 8,267,000 | 11,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,002,000 | 29,801,000 | 30,712,000 | 31,086,000 |
| Total capital | 31,707,000 | 32,555,000 | 33,469,000 | 33,850,000 |
| Risk-weighted assets | 249,366,000 | 261,273,000 | 269,946,000 | 279,731,000 |