Call reports 2003
OREGON TRAIL BANK — 2003
What OREGON TRAIL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 19,994,000 | 19,231,000 | 19,641,000 | 19,260,000 |
| Total loans | 10,434,000 | 10,375,000 | 10,504,000 | 10,609,000 |
| Allowance for loan losses | 142,000 | 142,000 | 142,000 | 142,000 |
| Securities available for sale | 3,207,000 | 3,790,000 | 3,985,000 | 4,343,000 |
| Securities held to maturity | 3,600,000 | 3,300,000 | 2,949,000 | 2,644,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,106,000 | 16,919,000 | 17,073,000 | 16,650,000 |
| Interest-bearing deposits | 16,001,000 | 14,872,000 | 15,082,000 | 14,883,000 |
| Noninterest-bearing deposits | 2,105,000 | 2,047,000 | 1,991,000 | 1,767,000 |
| Equity capital | 1,834,000 | 1,957,000 | 2,016,000 | 1,765,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 301,000 | 599,000 | 864,000 | 1,133,000 |
| Interest expense | 75,000 | 147,000 | 209,000 | 267,000 |
| Net interest income | 226,000 | 452,000 | 655,000 | 866,000 |
| Noninterest income | 27,000 | 50,000 | 74,000 | 97,000 |
| Noninterest expense | 143,000 | 285,000 | 430,000 | 622,000 |
| Provision for loan losses | 0 | 1,000 | 1,000 | 1,000 |
| Pretax income | 111,000 | 217,000 | 299,000 | 345,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 111,000 | 217,000 | 299,000 | 345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,753,000 | 1,859,000 | 1,941,000 | 1,703,000 |
| Total capital | 1,895,000 | 2,001,000 | 2,083,000 | 1,845,000 |
| Risk-weighted assets | 13,528,000 | 13,519,000 | 13,879,000 | 13,666,000 |