Call reports 2008
OREGON COAST BANK — 2008
What OREGON COAST BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 102,036,000 | 106,892,000 | 120,211,000 | 123,376,000 |
| Total loans | 69,690,000 | 67,420,000 | 69,012,000 | 73,543,000 |
| Allowance for loan losses | 799,000 | 862,000 | 883,000 | 990,000 |
| Securities available for sale | 21,329,000 | 26,755,000 | 38,416,000 | 41,717,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,180,000 | 96,150,000 | 107,879,000 | 113,174,000 |
| Interest-bearing deposits | 71,312,000 | 78,475,000 | 88,450,000 | 94,461,000 |
| Noninterest-bearing deposits | 19,868,000 | 17,675,000 | 19,429,000 | 18,713,000 |
| Equity capital | 10,364,000 | 10,303,000 | 9,503,000 | 9,933,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,830,000 | 3,625,000 | 5,537,000 | 7,462,000 |
| Interest expense | 698,000 | 1,341,000 | 1,998,000 | 2,659,000 |
| Net interest income | 1,132,000 | 2,284,000 | 3,539,000 | 4,803,000 |
| Noninterest income | 94,000 | 232,000 | 319,000 | 406,000 |
| Noninterest expense | 815,000 | 1,683,000 | 2,568,000 | 3,469,000 |
| Provision for loan losses | 39,000 | 102,000 | 183,000 | 370,000 |
| Pretax income | 372,000 | 747,000 | 332,000 | 713,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 372,000 | 747,000 | 332,000 | 713,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,143,000 | 10,370,000 | 9,778,000 | 10,073,000 |
| Total capital | 10,942,000 | 11,232,000 | 10,661,000 | 11,063,000 |
| Risk-weighted assets | 81,757,000 | 81,487,000 | 85,559,000 | 93,155,000 |