Call reports 2004
OREGON TRAIL BANK — 2004
What OREGON TRAIL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 19,246,000 | 18,935,000 | 20,187,000 | 20,816,000 |
| Total loans | 10,025,000 | 11,867,000 | 13,439,000 | 13,190,000 |
| Allowance for loan losses | 142,000 | 142,000 | 142,000 | 142,000 |
| Securities available for sale | 4,817,000 | 2,642,000 | 3,139,000 | 3,615,000 |
| Securities held to maturity | 2,644,000 | 2,394,000 | 2,395,000 | 1,895,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,862,000 | 16,568,000 | 17,732,000 | 18,102,000 |
| Interest-bearing deposits | 14,939,000 | 14,487,000 | 15,658,000 | 15,804,000 |
| Noninterest-bearing deposits | 1,923,000 | 2,081,000 | 2,074,000 | 2,298,000 |
| Equity capital | 1,838,000 | 1,814,000 | 1,895,000 | 1,843,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 269,000 | 540,000 | 827,000 | 1,120,000 |
| Interest expense | 52,000 | 99,000 | 150,000 | 206,000 |
| Net interest income | 217,000 | 441,000 | 677,000 | 914,000 |
| Noninterest income | 26,000 | 46,000 | 67,000 | 89,000 |
| Noninterest expense | 191,000 | 376,000 | 563,000 | 769,000 |
| Provision for loan losses | 0 | 0 | 1,000 | 0 |
| Pretax income | 52,000 | 144,000 | 213,000 | 267,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 52,000 | 144,000 | 213,000 | 267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,755,000 | 1,847,000 | 1,916,000 | 1,891,000 |
| Total capital | 1,897,000 | 1,989,000 | 2,058,000 | 2,033,000 |
| Risk-weighted assets | 13,165,000 | 13,451,000 | 14,959,000 | 15,144,000 |