Call reports 2015
OREGON TRAIL BANK — 2015
What OREGON TRAIL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 33,483,000 | 34,121,000 | 38,002,000 | 38,341,000 |
| Total loans | 15,741,000 | 16,592,000 | 15,731,000 | 17,728,000 |
| Allowance for loan losses | 178,000 | 178,000 | 0 | 19,000 |
| Securities available for sale | 9,142,000 | 9,095,000 | 7,143,000 | 7,130,000 |
| Securities held to maturity | 51,000 | 51,000 | 51,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,239,000 | 29,110,000 | 33,381,000 | 33,853,000 |
| Interest-bearing deposits | 24,239,000 | 23,197,000 | 23,714,000 | 26,747,000 |
| Noninterest-bearing deposits | 6,000,000 | 5,913,000 | 9,667,000 | 7,106,000 |
| Equity capital | 2,588,000 | 2,576,000 | 4,566,000 | 4,448,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 283,000 | 564,000 | 0 | 267,000 |
| Interest expense | 21,000 | 43,000 | 0 | 18,000 |
| Net interest income | 262,000 | 521,000 | 0 | 249,000 |
| Noninterest income | 22,000 | 45,000 | 0 | 30,000 |
| Noninterest expense | 284,000 | 545,000 | 0 | 355,000 |
| Provision for loan losses | 0 | 0 | 0 | 19,000 |
| Pretax income | 0 | 21,000 | 0 | -95,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 0 | 21,000 | 747,000 | 652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,570,000 | 2,552,000 | 4,311,000 | 4,236,000 |
| Total capital | 2,570,000 | 2,730,000 | 4,311,000 | 4,255,000 |
| Risk-weighted assets | 15,294,000 | 18,722,000 | 20,070,000 | 21,509,000 |