Call reports 2014
OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK — 2014
What OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 179,294,000 | 177,643,000 | 179,620,000 | 175,644,000 |
| Total loans | 109,951,000 | 112,288,000 | 116,373,000 | 123,982,000 |
| Allowance for loan losses | 1,722,000 | 1,548,000 | 1,480,000 | 1,599,000 |
| Securities available for sale | 17,452,000 | 16,193,000 | 18,437,000 | 18,036,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,253,000 | 145,555,000 | 149,055,000 | 145,933,000 |
| Interest-bearing deposits | 104,812,000 | 105,024,000 | 108,090,000 | 105,121,000 |
| Noninterest-bearing deposits | 40,441,000 | 40,531,000 | 40,965,000 | 40,812,000 |
| Equity capital | 19,694,000 | 19,430,000 | 19,603,000 | 19,610,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,446,000 | 2,882,000 | 4,412,000 | 5,974,000 |
| Interest expense | 134,000 | 256,000 | 389,000 | 482,000 |
| Net interest income | 1,312,000 | 2,626,000 | 4,023,000 | 5,492,000 |
| Noninterest income | 835,000 | 1,870,000 | 2,745,000 | 3,627,000 |
| Noninterest expense | 2,030,000 | 4,210,000 | 6,208,000 | 8,339,000 |
| Provision for loan losses | 65,000 | 796,000 | 836,000 | 1,021,000 |
| Pretax income | 52,000 | -510,000 | -276,000 | -241,000 |
| Income tax | -5,000 | -236,000 | -205,000 | -163,000 |
| Net income | 57,000 | -274,000 | -71,000 | -78,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,853,000 | 17,458,000 | 17,682,000 | 17,655,000 |
| Total capital | 19,187,000 | 18,798,000 | 19,110,000 | 19,166,000 |
| Risk-weighted assets | 106,322,000 | 106,978,000 | 114,133,000 | 120,753,000 |