Call reports 2011
OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK — 2011
What OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 162,708,000 | 162,787,000 | 175,381,000 | 174,037,000 |
| Total loans | 121,343,000 | 119,342,000 | 118,880,000 | 118,776,000 |
| Allowance for loan losses | 3,551,000 | 3,421,000 | 2,834,000 | 2,698,000 |
| Securities available for sale | 12,230,000 | 10,602,000 | 11,403,000 | 12,509,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,493,000 | 133,978,000 | 142,913,000 | 143,088,000 |
| Interest-bearing deposits | 103,291,000 | 103,865,000 | 107,590,000 | 111,732,000 |
| Noninterest-bearing deposits | 29,202,000 | 30,113,000 | 35,322,000 | 31,356,000 |
| Equity capital | 15,730,000 | 15,790,000 | 15,887,000 | 15,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,074,000 | 3,969,000 | 5,852,000 | 7,879,000 |
| Interest expense | 331,000 | 653,000 | 969,000 | 1,272,000 |
| Net interest income | 1,743,000 | 3,316,000 | 4,883,000 | 6,607,000 |
| Noninterest income | 391,000 | 917,000 | 1,400,000 | 1,929,000 |
| Noninterest expense | 1,905,000 | 3,806,000 | 5,603,000 | 7,450,000 |
| Provision for loan losses | 200,000 | 408,000 | 542,000 | 1,182,000 |
| Pretax income | 29,000 | 19,000 | 138,000 | -96,000 |
| Income tax | -11,000 | -40,000 | -12,000 | -116,000 |
| Net income | 40,000 | 59,000 | 150,000 | 20,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,039,000 | 14,232,000 | 14,389,000 | 14,016,000 |
| Total capital | 15,595,000 | 15,756,000 | 15,912,000 | 15,544,000 |
| Risk-weighted assets | 122,441,000 | 120,025,000 | 120,547,000 | 121,088,000 |