Call reports 2009
OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK — 2009
What OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 154,947,000 | 159,333,000 | 160,887,000 | 164,521,000 |
| Total loans | 127,446,000 | 126,459,000 | 127,580,000 | 125,339,000 |
| Allowance for loan losses | 2,032,000 | 2,802,000 | 2,424,000 | 3,019,000 |
| Securities available for sale | 8,544,000 | 8,352,000 | 9,446,000 | 9,743,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,502,000 | 123,204,000 | 124,876,000 | 129,445,000 |
| Interest-bearing deposits | 92,012,000 | 93,705,000 | 92,421,000 | 97,733,000 |
| Noninterest-bearing deposits | 27,490,000 | 29,499,000 | 32,455,000 | 31,712,000 |
| Equity capital | 17,270,000 | 16,793,000 | 16,901,000 | 15,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,473,000 | 4,722,000 | 7,002,000 | 9,303,000 |
| Interest expense | 544,000 | 1,047,000 | 1,514,000 | 1,953,000 |
| Net interest income | 1,929,000 | 3,675,000 | 5,488,000 | 7,350,000 |
| Noninterest income | 496,000 | 974,000 | 1,442,000 | 1,754,000 |
| Noninterest expense | 1,918,000 | 3,860,000 | 5,728,000 | 7,563,000 |
| Provision for loan losses | 479,000 | 1,454,000 | 1,914,000 | 4,411,000 |
| Pretax income | 28,000 | -665,000 | -712,000 | -2,870,000 |
| Income tax | -8,000 | -301,000 | -351,000 | -1,250,000 |
| Net income | 36,000 | -364,000 | -361,000 | -1,620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,039,000 | 16,596,000 | 16,602,000 | 14,978,000 |
| Total capital | 18,720,000 | 18,298,000 | 18,327,000 | 16,713,000 |
| Risk-weighted assets | 134,045,000 | 134,967,000 | 137,154,000 | 137,292,000 |