Call reports 2025
OREGON COAST BANK — 2025
What OREGON COAST BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 468,734,000 | 457,534,000 | 447,983,000 | 449,569,000 |
| Total loans | 263,681,000 | 269,125,000 | 273,739,000 | 275,664,000 |
| Allowance for loan losses | 2,725,000 | 2,860,000 | 2,906,000 | 2,930,000 |
| Securities available for sale | 147,026,000 | 137,937,000 | 129,384,000 | 122,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 377,904,000 | 376,134,000 | 383,389,000 | 409,946,000 |
| Interest-bearing deposits | 312,463,000 | 316,708,000 | 319,187,000 | 348,498,000 |
| Noninterest-bearing deposits | 65,441,000 | 59,426,000 | 64,202,000 | 61,448,000 |
| Equity capital | 31,293,000 | 32,210,000 | 36,159,000 | 38,334,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,704,000 | 11,574,000 | 17,721,000 | 23,641,000 |
| Interest expense | 2,597,000 | 5,129,000 | 7,608,000 | 9,888,000 |
| Net interest income | 3,107,000 | 6,445,000 | 10,113,000 | 13,753,000 |
| Noninterest income | 422,000 | 824,000 | 1,287,000 | 1,748,000 |
| Noninterest expense | 3,079,000 | 6,034,000 | 8,755,000 | 11,659,000 |
| Provision for loan losses | 90,000 | -245,000 | -201,000 | -174,000 |
| Pretax income | 360,000 | 1,480,000 | 2,846,000 | 4,016,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 360,000 | 1,480,000 | 2,846,000 | 4,016,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,700,000 | 44,820,000 | 45,881,000 | 46,736,000 |