Call reports 2025
BANK OF WESTERN OKLAHOMA — 2025
What BANK OF WESTERN OKLAHOMA reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 411,954,000 | 432,331,000 | 442,718,000 | 462,981,000 |
| Total loans | 339,311,000 | 366,348,000 | 382,409,000 | 377,700,000 |
| Allowance for loan losses | 2,826,000 | 3,204,000 | 3,115,000 | 3,533,000 |
| Securities available for sale | 27,463,000 | 16,585,000 | 16,628,000 | 16,450,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 372,870,000 | 392,436,000 | 401,166,000 | 419,600,000 |
| Interest-bearing deposits | 289,605,000 | 300,932,000 | 302,812,000 | 314,295,000 |
| Noninterest-bearing deposits | 83,265,000 | 91,504,000 | 98,354,000 | 105,305,000 |
| Equity capital | 35,219,000 | 36,179,000 | 37,452,000 | 38,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 7,370,000 | 15,239,000 | 23,442,000 | 31,823,000 |
| Interest expense | 2,375,000 | 4,730,000 | 7,220,000 | 9,721,000 |
| Net interest income | 4,995,000 | 10,509,000 | 16,222,000 | 22,102,000 |
| Noninterest income | 185,000 | 498,000 | 673,000 | 777,000 |
| Noninterest expense | 2,764,000 | 5,411,000 | 8,162,000 | 11,163,000 |
| Provision for loan losses | 126,000 | 482,000 | 482,000 | 2,082,000 |
| Pretax income | 2,330,000 | 5,140,000 | 8,276,000 | 9,700,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,330,000 | 5,140,000 | 8,276,000 | 9,700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,833,000 | 33,729,000 | 34,952,000 | 36,375,000 |
| Total capital | 35,754,000 | 37,042,000 | 38,176,000 | 39,977,000 |
| Risk-weighted assets | 315,842,000 | 348,264,000 | 359,809,000 | 351,128,000 |