Call reports 2002
OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK — 2002
What OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 85,458,000 | 90,808,000 | 99,642,000 | 107,088,000 |
| Total loans | 56,008,000 | 65,323,000 | 72,555,000 | 77,490,000 |
| Allowance for loan losses | 937,000 | 981,000 | 1,082,000 | 1,173,000 |
| Securities available for sale | 19,000,000 | 14,338,000 | 13,976,000 | 13,913,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,373,000 | 74,822,000 | 81,857,000 | 89,615,000 |
| Interest-bearing deposits | 54,324,000 | 56,068,000 | 63,564,000 | 70,040,000 |
| Noninterest-bearing deposits | 17,049,000 | 18,754,000 | 18,293,000 | 19,575,000 |
| Equity capital | 7,190,000 | 7,516,000 | 7,762,000 | 7,893,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,630,000 | 3,248,000 | 5,055,000 | 7,024,000 |
| Interest expense | 415,000 | 816,000 | 1,260,000 | 1,706,000 |
| Net interest income | 1,215,000 | 2,432,000 | 3,795,000 | 5,318,000 |
| Noninterest income | 362,000 | 697,000 | 1,043,000 | 1,437,000 |
| Noninterest expense | 1,262,000 | 2,532,000 | 3,891,000 | 5,448,000 |
| Provision for loan losses | 35,000 | 79,000 | 179,000 | 280,000 |
| Pretax income | 276,000 | 565,000 | 815,000 | 1,074,000 |
| Income tax | 61,000 | 123,000 | 185,000 | 252,000 |
| Net income | 215,000 | 442,000 | 630,000 | 822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,978,000 | 7,136,000 | 7,255,000 | 7,405,000 |
| Total capital | 7,744,000 | 7,996,000 | 8,210,000 | 8,425,000 |
| Risk-weighted assets | 61,120,000 | 68,756,000 | 76,270,000 | 81,431,000 |