Call reports 2005
OREGON TRAIL BANK — 2005
What OREGON TRAIL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 20,782,000 | 21,371,000 | 22,816,000 | 23,519,000 |
| Total loans | 12,836,000 | 13,888,000 | 15,294,000 | 15,163,000 |
| Allowance for loan losses | 142,000 | 148,000 | 142,000 | 145,000 |
| Securities available for sale | 3,786,000 | 3,339,000 | 2,817,000 | 2,896,000 |
| Securities held to maturity | 1,596,000 | 1,297,000 | 1,048,000 | 1,990,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,355,000 | 18,836,000 | 20,229,000 | 20,868,000 |
| Interest-bearing deposits | 16,275,000 | 16,634,000 | 17,941,000 | 18,063,000 |
| Noninterest-bearing deposits | 2,080,000 | 2,202,000 | 2,288,000 | 2,805,000 |
| Equity capital | 1,888,000 | 1,973,000 | 2,014,000 | 1,994,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 287,000 | 608,000 | 931,000 | 1,286,000 |
| Interest expense | 58,000 | 133,000 | 220,000 | 330,000 |
| Net interest income | 229,000 | 475,000 | 711,000 | 956,000 |
| Noninterest income | 30,000 | 60,000 | 91,000 | 121,000 |
| Noninterest expense | 201,000 | 400,000 | 612,000 | 843,000 |
| Provision for loan losses | 0 | 6,000 | 9,000 | 12,000 |
| Pretax income | 58,000 | 128,000 | 180,000 | 221,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 58,000 | 128,000 | 180,000 | 221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,949,000 | 2,020,000 | 2,072,000 | 2,053,000 |
| Total capital | 2,091,000 | 2,168,000 | 2,214,000 | 2,198,000 |
| Risk-weighted assets | 14,724,000 | 15,008,000 | 16,849,000 | 17,957,000 |