Call reports 2016
OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK — 2016
What OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 219,215,000 | 217,069,000 | 229,176,000 | 230,496,000 |
| Total loans | 149,020,000 | 156,867,000 | 154,254,000 | 159,601,000 |
| Allowance for loan losses | 2,160,000 | 2,212,000 | 2,286,000 | 2,365,000 |
| Securities available for sale | 13,634,000 | 12,332,000 | 20,026,000 | 19,250,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,903,000 | 184,450,000 | 193,802,000 | 196,828,000 |
| Interest-bearing deposits | 157,474,000 | 127,702,000 | 133,070,000 | 141,508,000 |
| Noninterest-bearing deposits | 29,429,000 | 56,748,000 | 60,732,000 | 55,320,000 |
| Equity capital | 20,592,000 | 20,973,000 | 21,312,000 | 21,265,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,828,000 | 3,769,000 | 5,898,000 | 7,958,000 |
| Interest expense | 83,000 | 161,000 | 243,000 | 329,000 |
| Net interest income | 1,745,000 | 3,608,000 | 5,655,000 | 7,629,000 |
| Noninterest income | 818,000 | 1,877,000 | 2,849,000 | 3,683,000 |
| Noninterest expense | 2,321,000 | 4,623,000 | 6,973,000 | 9,291,000 |
| Provision for loan losses | 37,000 | 93,000 | 130,000 | 130,000 |
| Pretax income | 205,000 | 781,000 | 1,413,000 | 1,903,000 |
| Income tax | 60,000 | 266,000 | 508,000 | 671,000 |
| Net income | 145,000 | 515,000 | 905,000 | 1,232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,955,000 | 20,517,000 | 20,909,000 | 21,384,000 |
| Total capital | 21,757,000 | 22,445,000 | 22,826,000 | 23,314,000 |
| Risk-weighted assets | 143,516,000 | 153,742,000 | 152,767,000 | 153,865,000 |