Call reports 2007
OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK — 2007
What OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 155,552,000 | 152,672,000 | 155,021,000 | 152,461,000 |
| Total loans | 124,768,000 | 124,350,000 | 121,466,000 | 124,415,000 |
| Allowance for loan losses | 1,861,000 | 1,849,000 | 1,852,000 | 1,965,000 |
| Securities available for sale | 9,805,000 | 9,712,000 | 9,507,000 | 8,782,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,586,000 | 123,845,000 | 124,091,000 | 121,378,000 |
| Interest-bearing deposits | 111,498,000 | 112,235,000 | 111,474,000 | 111,325,000 |
| Noninterest-bearing deposits | 14,088,000 | 11,610,000 | 12,617,000 | 10,053,000 |
| Equity capital | 16,165,000 | 16,681,000 | 17,077,000 | 17,374,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,885,000 | 6,024,000 | 9,092,000 | 12,043,000 |
| Interest expense | 812,000 | 1,658,000 | 2,501,000 | 3,334,000 |
| Net interest income | 2,073,000 | 4,366,000 | 6,591,000 | 8,709,000 |
| Noninterest income | 616,000 | 1,253,000 | 1,932,000 | 2,584,000 |
| Noninterest expense | 1,927,000 | 3,938,000 | 6,056,000 | 8,088,000 |
| Provision for loan losses | 0 | 0 | 0 | 120,000 |
| Pretax income | 762,000 | 1,681,000 | 2,467,000 | 3,085,000 |
| Income tax | 277,000 | 614,000 | 783,000 | 987,000 |
| Net income | 485,000 | 1,067,000 | 1,684,000 | 2,098,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,722,000 | 16,291,000 | 16,670,000 | 16,964,000 |
| Total capital | 17,370,000 | 17,941,000 | 18,300,000 | 18,615,000 |
| Risk-weighted assets | 131,632,000 | 131,793,000 | 130,211,000 | 131,757,000 |