Call reports 2003
OREGON COAST BANK — 2003
What OREGON COAST BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 27,646,000 | 31,855,000 | 37,901,000 | 37,844,000 |
| Total loans | 13,497,000 | 16,676,000 | 20,351,000 | 23,145,000 |
| Allowance for loan losses | 142,000 | 192,000 | 238,000 | 262,000 |
| Securities available for sale | 3,358,000 | 1,960,000 | 6,118,000 | 6,361,000 |
| Securities held to maturity | 3,014,000 | 3,164,000 | 3,418,000 | 2,079,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,321,000 | 27,415,000 | 33,491,000 | 33,349,000 |
| Interest-bearing deposits | 17,178,000 | 19,930,000 | 23,058,000 | 24,886,000 |
| Noninterest-bearing deposits | 6,143,000 | 7,485,000 | 10,433,000 | 8,463,000 |
| Equity capital | 4,269,000 | 4,342,000 | 4,294,000 | 4,426,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 348,000 | 775,000 | 1,270,000 | 1,821,000 |
| Interest expense | 78,000 | 176,000 | 278,000 | 385,000 |
| Net interest income | 270,000 | 599,000 | 992,000 | 1,436,000 |
| Noninterest income | 94,000 | 200,000 | 303,000 | 385,000 |
| Noninterest expense | 325,000 | 693,000 | 1,101,000 | 1,500,000 |
| Provision for loan losses | 42,000 | 92,000 | 141,000 | 180,000 |
| Pretax income | -3,000 | 19,000 | 58,000 | 158,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -3,000 | 19,000 | 58,000 | 158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,301,000 | 4,322,000 | 4,361,000 | 4,462,000 |
| Total capital | 4,443,000 | 4,514,000 | 4,599,000 | 4,724,000 |
| Risk-weighted assets | 20,264,000 | 22,050,000 | 26,893,000 | 27,422,000 |