Call reports 2005
OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK — 2005
What OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 139,869,000 | 145,559,000 | 150,073,000 | 150,254,000 |
| Total loans | 113,560,000 | 119,571,000 | 120,890,000 | 121,195,000 |
| Allowance for loan losses | 1,809,000 | 1,857,000 | 1,887,000 | 1,858,000 |
| Securities available for sale | 15,009,000 | 12,228,000 | 12,012,000 | 11,644,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,116,000 | 120,812,000 | 124,752,000 | 122,189,000 |
| Interest-bearing deposits | 81,679,000 | 89,856,000 | 91,638,000 | 91,713,000 |
| Noninterest-bearing deposits | 30,437,000 | 30,956,000 | 33,114,000 | 30,476,000 |
| Equity capital | 13,032,000 | 13,328,000 | 13,738,000 | 14,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,660,000 | 5,101,000 | 7,816,000 | 10,559,000 |
| Interest expense | 389,000 | 885,000 | 1,435,000 | 2,034,000 |
| Net interest income | 2,271,000 | 4,216,000 | 6,381,000 | 8,525,000 |
| Noninterest income | 568,000 | 1,071,000 | 1,823,000 | 2,382,000 |
| Noninterest expense | 1,809,000 | 3,592,000 | 5,451,000 | 7,607,000 |
| Provision for loan losses | 170,000 | 215,000 | 245,000 | 215,000 |
| Pretax income | 860,000 | 1,467,000 | 2,495,000 | 3,072,000 |
| Income tax | 339,000 | 586,000 | 986,000 | 1,019,000 |
| Net income | 521,000 | 881,000 | 1,509,000 | 2,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,955,000 | 13,195,000 | 13,673,000 | 14,124,000 |
| Total capital | 14,472,000 | 14,768,000 | 15,292,000 | 15,732,000 |
| Risk-weighted assets | 121,070,000 | 125,539,000 | 129,258,000 | 128,422,000 |