Call reports 2017
OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK — 2017
What OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 237,447,000 | 242,209,000 | 256,589,000 | 261,149,000 |
| Total loans | 170,777,000 | 173,228,000 | 178,707,000 | 192,616,000 |
| Allowance for loan losses | 2,442,000 | 2,541,000 | 2,639,000 | 2,641,000 |
| Securities available for sale | 25,470,000 | 25,561,000 | 26,744,000 | 28,344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,847,000 | 214,566,000 | 227,376,000 | 221,153,000 |
| Interest-bearing deposits | 152,205,000 | 153,911,000 | 159,690,000 | 158,489,000 |
| Noninterest-bearing deposits | 56,642,000 | 60,655,000 | 67,686,000 | 62,664,000 |
| Equity capital | 21,615,000 | 22,069,000 | 23,240,000 | 34,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,138,000 | 4,418,000 | 6,859,000 | 9,416,000 |
| Interest expense | 94,000 | 194,000 | 302,000 | 415,000 |
| Net interest income | 2,044,000 | 4,224,000 | 6,557,000 | 9,001,000 |
| Noninterest income | 870,000 | 1,849,000 | 2,927,000 | 3,907,000 |
| Noninterest expense | 2,389,000 | 5,003,000 | 7,314,000 | 9,608,000 |
| Provision for loan losses | 80,000 | 176,000 | 272,000 | 272,000 |
| Pretax income | 445,000 | 894,000 | 1,898,000 | 3,028,000 |
| Income tax | 133,000 | 280,000 | 613,000 | 1,475,000 |
| Net income | 312,000 | 614,000 | 1,285,000 | 1,553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,694,000 | 22,115,000 | 23,229,000 | 34,443,000 |
| Total capital | 23,766,000 | 24,207,000 | 25,373,000 | 36,765,000 |
| Risk-weighted assets | 165,308,000 | 166,831,000 | 171,014,000 | 185,461,000 |