Call reports 2012
OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK — 2012
What OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 167,527,000 | 167,673,000 | 172,942,000 | 177,051,000 |
| Total loans | 121,105,000 | 115,736,000 | 113,829,000 | 113,129,000 |
| Allowance for loan losses | 2,322,000 | 2,204,000 | 2,250,000 | 1,739,000 |
| Securities available for sale | 13,961,000 | 12,273,000 | 11,509,000 | 12,635,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,832,000 | 138,072,000 | 141,343,000 | 142,671,000 |
| Interest-bearing deposits | 104,290,000 | 104,127,000 | 104,974,000 | 104,656,000 |
| Noninterest-bearing deposits | 33,542,000 | 33,945,000 | 36,369,000 | 38,015,000 |
| Equity capital | 15,808,000 | 17,322,000 | 17,702,000 | 19,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,820,000 | 3,652,000 | 5,471,000 | 7,319,000 |
| Interest expense | 282,000 | 514,000 | 728,000 | 926,000 |
| Net interest income | 1,538,000 | 3,138,000 | 4,743,000 | 6,393,000 |
| Noninterest income | 515,000 | 967,000 | 1,496,000 | 2,185,000 |
| Noninterest expense | 1,866,000 | 3,856,000 | 5,685,000 | 7,731,000 |
| Provision for loan losses | 146,000 | 747,000 | 792,000 | 839,000 |
| Pretax income | 41,000 | -498,000 | -238,000 | 8,000 |
| Income tax | -16,000 | -228,000 | -168,000 | -169,000 |
| Net income | 57,000 | -270,000 | -70,000 | 177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,065,000 | 15,566,000 | 15,992,000 | 17,651,000 |
| Total capital | 15,594,000 | 17,024,000 | 17,420,000 | 19,082,000 |
| Risk-weighted assets | 121,521,000 | 115,886,000 | 113,355,000 | 114,117,000 |