Call reports 2004
OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK — 2004
What OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 128,772,000 | 132,104,000 | 138,250,000 | 138,040,000 |
| Total loans | 94,060,000 | 100,331,000 | 103,427,000 | 111,363,000 |
| Allowance for loan losses | 1,643,000 | 1,642,000 | 1,635,000 | 1,640,000 |
| Securities available for sale | 11,755,000 | 14,220,000 | 14,928,000 | 15,425,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,223,000 | 108,163,000 | 112,626,000 | 112,298,000 |
| Interest-bearing deposits | 80,489,000 | 79,801,000 | 81,841,000 | 84,505,000 |
| Noninterest-bearing deposits | 25,734,000 | 28,362,000 | 30,785,000 | 27,793,000 |
| Equity capital | 12,753,000 | 12,544,000 | 12,789,000 | 12,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,934,000 | 4,002,000 | 6,123,000 | 8,461,000 |
| Interest expense | 305,000 | 611,000 | 946,000 | 1,307,000 |
| Net interest income | 1,629,000 | 3,391,000 | 5,177,000 | 7,154,000 |
| Noninterest income | 421,000 | 895,000 | 1,372,000 | 1,904,000 |
| Noninterest expense | 1,844,000 | 4,014,000 | 5,871,000 | 7,635,000 |
| Provision for loan losses | -360,000 | -360,000 | -360,000 | -355,000 |
| Pretax income | 613,000 | 668,000 | 1,075,000 | 1,815,000 |
| Income tax | 212,000 | 214,000 | 345,000 | 606,000 |
| Net income | 401,000 | 454,000 | 730,000 | 1,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,398,000 | 12,339,000 | 12,498,000 | 12,599,000 |
| Total capital | 13,679,000 | 13,702,000 | 13,905,000 | 14,101,000 |
| Risk-weighted assets | 102,087,000 | 108,720,000 | 112,384,000 | 120,050,000 |