Call reports 2003
OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK — 2003
What OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 110,978,000 | 115,913,000 | 120,249,000 | 120,570,000 |
| Total loans | 80,994,000 | 84,627,000 | 86,683,000 | 88,096,000 |
| Allowance for loan losses | 1,224,000 | 1,266,000 | 1,276,000 | 1,316,000 |
| Securities available for sale | 14,363,000 | 21,711,000 | 17,947,000 | 16,845,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,315,000 | 98,162,000 | 102,505,000 | 98,207,000 |
| Interest-bearing deposits | 75,152,000 | 76,761,000 | 77,974,000 | 75,491,000 |
| Noninterest-bearing deposits | 18,163,000 | 21,401,000 | 24,531,000 | 22,716,000 |
| Equity capital | 8,239,000 | 8,480,000 | 8,645,000 | 12,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,992,000 | 4,071,000 | 6,149,000 | 8,110,000 |
| Interest expense | 440,000 | 857,000 | 1,222,000 | 1,542,000 |
| Net interest income | 1,552,000 | 3,214,000 | 4,927,000 | 6,568,000 |
| Noninterest income | 375,000 | 743,000 | 1,193,000 | 1,606,000 |
| Noninterest expense | 1,594,000 | 3,234,000 | 4,865,000 | 6,492,000 |
| Provision for loan losses | 50,000 | 90,000 | 130,000 | 170,000 |
| Pretax income | 283,000 | 627,000 | 1,066,000 | 1,401,000 |
| Income tax | 73,000 | 156,000 | 316,000 | 401,000 |
| Net income | 210,000 | 471,000 | 750,000 | 1,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,753,000 | 7,938,000 | 8,161,000 | 12,102,000 |
| Total capital | 8,831,000 | 9,062,000 | 9,327,000 | 13,302,000 |
| Risk-weighted assets | 86,126,000 | 89,778,000 | 93,160,000 | 95,928,000 |