Call reports 2013
OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK — 2013
What OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 177,083,000 | 172,332,000 | 177,819,000 | 173,067,000 |
| Total loans | 114,836,000 | 116,636,000 | 114,526,000 | 112,413,000 |
| Allowance for loan losses | 1,830,000 | 1,593,000 | 1,619,000 | 1,745,000 |
| Securities available for sale | 13,122,000 | 15,121,000 | 16,063,000 | 16,379,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,603,000 | 137,524,000 | 140,697,000 | 140,980,000 |
| Interest-bearing deposits | 103,437,000 | 97,473,000 | 99,747,000 | 102,415,000 |
| Noninterest-bearing deposits | 39,166,000 | 40,051,000 | 40,950,000 | 38,565,000 |
| Equity capital | 19,374,000 | 19,263,000 | 19,455,000 | 19,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,772,000 | 3,429,000 | 5,122,000 | 6,693,000 |
| Interest expense | 178,000 | 340,000 | 495,000 | 640,000 |
| Net interest income | 1,594,000 | 3,089,000 | 4,627,000 | 6,053,000 |
| Noninterest income | 806,000 | 1,560,000 | 2,341,000 | 3,262,000 |
| Noninterest expense | 2,141,000 | 4,225,000 | 6,263,000 | 8,404,000 |
| Provision for loan losses | 150,000 | 226,000 | 241,000 | 356,000 |
| Pretax income | 109,000 | 198,000 | 464,000 | 555,000 |
| Income tax | 11,000 | 8,000 | 105,000 | 40,000 |
| Net income | 98,000 | 190,000 | 359,000 | 515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,737,000 | 17,622,000 | 17,816,000 | 17,750,000 |
| Total capital | 19,136,000 | 19,032,000 | 19,202,000 | 19,103,000 |
| Risk-weighted assets | 111,456,000 | 112,588,000 | 110,587,000 | 107,730,000 |