Call reports 2005
OREGON COAST BANK — 2005
What OREGON COAST BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 65,076,000 | 68,591,000 | 75,225,000 | 74,450,000 |
| Total loans | 39,977,000 | 45,026,000 | 47,640,000 | 50,658,000 |
| Allowance for loan losses | 439,000 | 470,000 | 517,000 | 556,000 |
| Securities available for sale | 16,176,000 | 14,346,000 | 16,739,000 | 16,794,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,965,000 | 62,193,000 | 69,499,000 | 66,526,000 |
| Interest-bearing deposits | 44,392,000 | 44,454,000 | 48,886,000 | 50,680,000 |
| Noninterest-bearing deposits | 15,573,000 | 17,739,000 | 20,613,000 | 15,847,000 |
| Equity capital | 4,834,000 | 5,027,000 | 5,175,000 | 5,321,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 889,000 | 1,882,000 | 3,011,000 | 4,224,000 |
| Interest expense | 237,000 | 489,000 | 783,000 | 1,109,000 |
| Net interest income | 652,000 | 1,393,000 | 2,228,000 | 3,115,000 |
| Noninterest income | 84,000 | 173,000 | 265,000 | 354,000 |
| Noninterest expense | 548,000 | 1,120,000 | 1,752,000 | 2,372,000 |
| Provision for loan losses | 39,000 | 78,000 | 117,000 | 156,000 |
| Pretax income | 165,000 | 375,000 | 644,000 | 961,000 |
| Income tax | 41,000 | 94,000 | 222,000 | 347,000 |
| Net income | 124,000 | 281,000 | 422,000 | 614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,015,000 | 5,173,000 | 5,313,000 | 5,505,000 |
| Total capital | 5,454,000 | 5,643,000 | 5,830,000 | 6,061,000 |
| Risk-weighted assets | 43,511,000 | 47,466,000 | 57,164,000 | 60,371,000 |