Call reports 2001
OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK — 2001
What OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 73,343,000 | 75,803,000 | 83,418,000 | 86,587,000 |
| Total loans | 45,213,000 | 46,612,000 | 51,126,000 | 56,655,000 |
| Allowance for loan losses | 1,011,000 | 983,000 | 966,000 | 902,000 |
| Securities available for sale | 20,998,000 | 22,306,000 | 26,313,000 | 24,462,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,533,000 | 62,985,000 | 70,207,000 | 72,962,000 |
| Interest-bearing deposits | 47,086,000 | 48,919,000 | 54,201,000 | 57,170,000 |
| Noninterest-bearing deposits | 13,447,000 | 14,066,000 | 16,006,000 | 15,792,000 |
| Equity capital | 7,915,000 | 6,926,000 | 7,240,000 | 7,112,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,545,000 | 3,148,000 | 4,780,000 | 6,418,000 |
| Interest expense | 594,000 | 1,125,000 | 1,645,000 | 2,137,000 |
| Net interest income | 951,000 | 2,023,000 | 3,135,000 | 4,281,000 |
| Noninterest income | 234,000 | 460,000 | 760,000 | 1,050,000 |
| Noninterest expense | 931,000 | 1,907,000 | 2,948,000 | 4,159,000 |
| Provision for loan losses | 0 | 3,000 | 3,000 | 3,000 |
| Pretax income | 255,000 | 574,000 | 941,000 | 1,156,000 |
| Income tax | 48,000 | 128,000 | 220,000 | 261,000 |
| Net income | 207,000 | 446,000 | 721,000 | 895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,638,000 | 6,653,000 | 6,805,000 | 6,834,000 |
| Total capital | 8,256,000 | 7,284,000 | 7,526,000 | 7,610,000 |
| Risk-weighted assets | 48,863,000 | 50,159,000 | 57,480,000 | 61,920,000 |