Call reports 2004
OREGON COAST BANK — 2004
What OREGON COAST BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 42,757,000 | 50,149,000 | 59,105,000 | 61,196,000 |
| Total loans | 25,896,000 | 27,609,000 | 33,831,000 | 37,166,000 |
| Allowance for loan losses | 299,000 | 321,000 | 361,000 | 400,000 |
| Securities available for sale | 7,816,000 | 14,333,000 | 16,539,000 | 17,973,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,149,000 | 45,567,000 | 54,172,000 | 52,384,000 |
| Interest-bearing deposits | 28,179,000 | 34,195,000 | 43,443,000 | 40,887,000 |
| Noninterest-bearing deposits | 9,970,000 | 11,372,000 | 10,728,000 | 11,497,000 |
| Equity capital | 4,539,000 | 4,499,000 | 4,829,000 | 4,786,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 586,000 | 1,217,000 | 2,019,000 | 2,880,000 |
| Interest expense | 113,000 | 243,000 | 394,000 | 584,000 |
| Net interest income | 473,000 | 974,000 | 1,625,000 | 2,296,000 |
| Noninterest income | 55,000 | 133,000 | 197,000 | 293,000 |
| Noninterest expense | 411,000 | 862,000 | 1,375,000 | 1,905,000 |
| Provision for loan losses | 39,000 | 78,000 | 117,000 | 156,000 |
| Pretax income | 92,000 | 185,000 | 353,000 | 559,000 |
| Income tax | 0 | 0 | 0 | 130,000 |
| Net income | 92,000 | 185,000 | 353,000 | 429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,553,000 | 4,647,000 | 4,815,000 | 4,891,000 |
| Total capital | 4,852,000 | 4,968,000 | 5,176,000 | 5,291,000 |
| Risk-weighted assets | 30,138,000 | 32,787,000 | 39,313,000 | 41,370,000 |