Call reports 2010
OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK — 2010
What OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 164,224,000 | 167,416,000 | 166,286,000 | 163,660,000 |
| Total loans | 126,579,000 | 124,321,000 | 119,314,000 | 119,774,000 |
| Allowance for loan losses | 3,213,000 | 3,334,000 | 3,549,000 | 3,764,000 |
| Securities available for sale | 13,514,000 | 13,095,000 | 11,947,000 | 11,724,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,558,000 | 135,553,000 | 134,026,000 | 133,392,000 |
| Interest-bearing deposits | 101,136,000 | 104,799,000 | 101,702,000 | 102,407,000 |
| Noninterest-bearing deposits | 31,422,000 | 30,754,000 | 32,324,000 | 30,985,000 |
| Equity capital | 15,616,000 | 15,807,000 | 15,683,000 | 15,709,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,177,000 | 4,464,000 | 6,578,000 | 8,596,000 |
| Interest expense | 424,000 | 802,000 | 1,185,000 | 1,553,000 |
| Net interest income | 1,753,000 | 3,662,000 | 5,393,000 | 7,043,000 |
| Noninterest income | 479,000 | 845,000 | 893,000 | 1,107,000 |
| Noninterest expense | 1,778,000 | 3,539,000 | 5,417,000 | 6,927,000 |
| Provision for loan losses | 300,000 | 661,000 | 830,000 | 1,045,000 |
| Pretax income | 154,000 | 307,000 | 40,000 | 177,000 |
| Income tax | 32,000 | 62,000 | -56,000 | -30,000 |
| Net income | 122,000 | 245,000 | 96,000 | 207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,688,000 | 14,880,000 | 14,771,000 | 13,701,000 |
| Total capital | 16,408,000 | 16,549,000 | 16,383,000 | 15,282,000 |
| Risk-weighted assets | 135,854,000 | 131,716,000 | 126,908,000 | 124,286,000 |