Call reports 2008
OREGON TRAIL BANK — 2008
What OREGON TRAIL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 28,144,000 | 25,851,000 | 27,180,000 | 27,823,000 |
| Total loans | 16,589,000 | 17,087,000 | 16,163,000 | 16,886,000 |
| Allowance for loan losses | 184,000 | 204,000 | 225,000 | 230,000 |
| Securities available for sale | 6,122,000 | 4,129,000 | 4,124,000 | 4,812,000 |
| Securities held to maturity | 868,000 | 818,000 | 818,000 | 1,001,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,937,000 | 21,637,000 | 23,777,000 | 22,927,000 |
| Interest-bearing deposits | 22,182,000 | 18,757,000 | 20,944,000 | 19,892,000 |
| Noninterest-bearing deposits | 2,755,000 | 2,880,000 | 2,833,000 | 3,035,000 |
| Equity capital | 2,601,000 | 2,522,000 | 2,544,000 | 2,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 428,000 | 829,000 | 1,219,000 | 1,578,000 |
| Interest expense | 189,000 | 320,000 | 437,000 | 552,000 |
| Net interest income | 239,000 | 509,000 | 782,000 | 1,026,000 |
| Noninterest income | 51,000 | 99,000 | 150,000 | 199,000 |
| Noninterest expense | 261,000 | 523,000 | 799,000 | 1,071,000 |
| Provision for loan losses | 5,000 | 25,000 | 45,000 | 50,000 |
| Pretax income | 29,000 | 80,000 | 108,000 | 123,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 29,000 | 80,000 | 108,000 | 123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,418,000 | 2,468,000 | 2,497,000 | 2,432,000 |
| Total capital | 2,603,000 | 2,673,000 | 2,722,000 | 2,662,000 |
| Risk-weighted assets | 21,255,000 | 19,890,000 | 19,965,000 | 20,439,000 |