Call reports 2006
OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK — 2006
What OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 160,187,000 | 155,228,000 | 155,647,000 | 151,140,000 |
| Total loans | 123,043,000 | 123,815,000 | 128,112,000 | 123,080,000 |
| Allowance for loan losses | 1,884,000 | 1,884,000 | 1,883,000 | 1,861,000 |
| Securities available for sale | 11,330,000 | 10,828,000 | 10,921,000 | 10,297,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,186,000 | 126,779,000 | 127,045,000 | 120,903,000 |
| Interest-bearing deposits | 94,037,000 | 117,090,000 | 116,542,000 | 109,959,000 |
| Noninterest-bearing deposits | 36,149,000 | 9,689,000 | 10,503,000 | 10,944,000 |
| Equity capital | 14,473,000 | 14,984,000 | 15,424,000 | 15,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,844,000 | 5,744,000 | 8,898,000 | 12,035,000 |
| Interest expense | 661,000 | 1,370,000 | 2,146,000 | 2,957,000 |
| Net interest income | 2,183,000 | 4,374,000 | 6,752,000 | 9,078,000 |
| Noninterest income | 600,000 | 1,246,000 | 1,847,000 | 2,439,000 |
| Noninterest expense | 1,960,000 | 3,928,000 | 6,009,000 | 8,044,000 |
| Provision for loan losses | 26,000 | 26,000 | 26,000 | 26,000 |
| Pretax income | 797,000 | 1,666,000 | 2,564,000 | 3,447,000 |
| Income tax | 284,000 | 597,000 | 923,000 | 1,235,000 |
| Net income | 513,000 | 1,069,000 | 1,641,000 | 2,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,026,000 | 14,609,000 | 15,012,000 | 15,485,000 |
| Total capital | 15,662,000 | 16,247,000 | 16,681,000 | 17,110,000 |
| Risk-weighted assets | 130,617,000 | 130,764,000 | 133,356,000 | 129,761,000 |