Call reports 2015
OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK — 2015
What OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 187,184,000 | 193,079,000 | 202,909,000 | 203,244,000 |
| Total loans | 129,885,000 | 129,991,000 | 132,172,000 | 143,560,000 |
| Allowance for loan losses | 1,687,000 | 1,769,000 | 1,990,000 | 2,097,000 |
| Securities available for sale | 17,083,000 | 16,578,000 | 18,438,000 | 17,116,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,865,000 | 162,467,000 | 170,463,000 | 172,094,000 |
| Interest-bearing deposits | 112,999,000 | 116,685,000 | 120,179,000 | 119,042,000 |
| Noninterest-bearing deposits | 42,866,000 | 45,782,000 | 50,284,000 | 53,052,000 |
| Equity capital | 19,791,000 | 20,064,000 | 20,208,000 | 20,387,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,553,000 | 3,211,000 | 5,005,000 | 6,834,000 |
| Interest expense | 87,000 | 166,000 | 247,000 | 330,000 |
| Net interest income | 1,466,000 | 3,045,000 | 4,758,000 | 6,504,000 |
| Noninterest income | 830,000 | 1,831,000 | 2,633,000 | 3,546,000 |
| Noninterest expense | 2,039,000 | 4,132,000 | 6,461,000 | 8,837,000 |
| Provision for loan losses | 78,000 | 104,000 | 130,000 | 182,000 |
| Pretax income | 179,000 | 640,000 | 800,000 | 1,031,000 |
| Income tax | 45,000 | 200,000 | 242,000 | 231,000 |
| Net income | 134,000 | 440,000 | 558,000 | 800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,833,000 | 19,164,000 | 19,350,000 | 19,813,000 |
| Total capital | 20,467,000 | 20,786,000 | 20,963,000 | 21,566,000 |
| Risk-weighted assets | 130,659,000 | 129,076,000 | 128,101,000 | 139,522,000 |