Call reports 2007
OREGON TRAIL BANK — 2007
What OREGON TRAIL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 28,706,000 | 27,344,000 | 30,462,000 | 28,580,000 |
| Total loans | 14,160,000 | 14,887,000 | 16,270,000 | 16,433,000 |
| Allowance for loan losses | 146,000 | 144,000 | 184,000 | 179,000 |
| Securities available for sale | 8,024,000 | 8,029,000 | 7,063,000 | 6,330,000 |
| Securities held to maturity | 1,061,000 | 1,062,000 | 1,062,000 | 988,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,010,000 | 24,218,000 | 27,472,000 | 25,095,000 |
| Interest-bearing deposits | 21,827,000 | 20,851,000 | 24,285,000 | 22,460,000 |
| Noninterest-bearing deposits | 4,183,000 | 3,367,000 | 3,187,000 | 2,635,000 |
| Equity capital | 2,027,000 | 1,890,000 | 2,345,000 | 2,432,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 429,000 | 867,000 | 1,320,000 | 1,778,000 |
| Interest expense | 207,000 | 417,000 | 642,000 | 868,000 |
| Net interest income | 222,000 | 450,000 | 678,000 | 910,000 |
| Noninterest income | 46,000 | 106,000 | 135,000 | 188,000 |
| Noninterest expense | 276,000 | 548,000 | 800,000 | 1,064,000 |
| Provision for loan losses | 6,000 | 6,000 | 46,000 | 51,000 |
| Pretax income | -14,000 | 2,000 | -36,000 | -13,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -14,000 | 2,000 | -36,000 | -13,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,988,000 | 2,003,000 | 2,365,000 | 2,392,000 |
| Total capital | 2,134,000 | 2,147,000 | 2,548,000 | 2,571,000 |
| Risk-weighted assets | 20,883,000 | 21,054,000 | 22,474,000 | 21,867,000 |