Call reports 2016
OREGON TRAIL BANK — 2016
What OREGON TRAIL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 36,141,000 | 35,547,000 | 39,298,000 | 36,408,000 |
| Total loans | 20,017,000 | 22,355,000 | 25,680,000 | 23,638,000 |
| Allowance for loan losses | 90,000 | 118,000 | 156,000 | 177,000 |
| Securities available for sale | 6,886,000 | 5,708,000 | 5,378,000 | 4,980,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,762,000 | 30,423,000 | 34,410,000 | 32,227,000 |
| Interest-bearing deposits | 26,255,000 | 25,222,000 | 28,036,000 | 24,927,000 |
| Noninterest-bearing deposits | 5,507,000 | 5,201,000 | 6,374,000 | 7,300,000 |
| Equity capital | 4,327,000 | 4,266,000 | 4,176,000 | 4,109,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 303,000 | 638,000 | 978,000 | 1,352,000 |
| Interest expense | 19,000 | 40,000 | 63,000 | 90,000 |
| Net interest income | 284,000 | 598,000 | 915,000 | 1,262,000 |
| Noninterest income | 27,000 | 59,000 | 89,000 | 115,000 |
| Noninterest expense | 388,000 | 788,000 | 1,170,000 | 1,558,000 |
| Provision for loan losses | 71,000 | 99,000 | 137,000 | 158,000 |
| Pretax income | -148,000 | -231,000 | -304,000 | -340,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -148,000 | -231,000 | -304,000 | -340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,001,000 | 3,948,000 | 3,905,000 | 3,889,000 |
| Total capital | 4,091,000 | 4,066,000 | 4,061,000 | 4,067,000 |
| Risk-weighted assets | 21,929,000 | 23,678,000 | 27,356,000 | 25,539,000 |