Call reports 2008
OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK — 2008
What OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 156,848,000 | 155,405,000 | 157,342,000 | 156,152,000 |
| Total loans | 129,104,000 | 130,195,000 | 129,016,000 | 129,608,000 |
| Allowance for loan losses | 1,966,000 | 2,148,000 | 1,673,000 | 1,552,000 |
| Securities available for sale | 10,325,000 | 8,675,000 | 7,987,000 | 8,685,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,033,000 | 120,981,000 | 122,646,000 | 117,997,000 |
| Interest-bearing deposits | 108,990,000 | 110,585,000 | 111,551,000 | 108,613,000 |
| Noninterest-bearing deposits | 11,043,000 | 10,396,000 | 11,095,000 | 9,384,000 |
| Equity capital | 17,564,000 | 16,877,000 | 16,957,000 | 17,332,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,777,000 | 5,467,000 | 7,989,000 | 10,548,000 |
| Interest expense | 823,000 | 1,542,000 | 2,196,000 | 2,823,000 |
| Net interest income | 1,954,000 | 3,925,000 | 5,793,000 | 7,725,000 |
| Noninterest income | 645,000 | 1,215,000 | 1,778,000 | 2,392,000 |
| Noninterest expense | 2,073,000 | 4,118,000 | 6,244,000 | 8,065,000 |
| Provision for loan losses | 0 | 180,000 | 155,000 | 326,000 |
| Pretax income | 526,000 | 842,000 | 1,173,000 | 1,727,000 |
| Income tax | 177,000 | 274,000 | 378,000 | 562,000 |
| Net income | 349,000 | 568,000 | 795,000 | 1,165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,205,000 | 16,647,000 | 16,780,000 | 17,056,000 |
| Total capital | 18,900,000 | 18,342,000 | 18,458,000 | 18,732,000 |
| Risk-weighted assets | 135,343,000 | 135,151,000 | 134,162,000 | 134,096,000 |