Call reports 2018
OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK — 2018
What OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 278,259,000 | 282,380,000 | 302,631,000 | 309,409,000 |
| Total loans | 196,622,000 | 207,247,000 | 229,639,000 | 252,064,000 |
| Allowance for loan losses | 2,725,000 | 2,783,000 | 2,916,000 | 3,180,000 |
| Securities available for sale | 29,561,000 | 28,101,000 | 27,135,000 | 26,806,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,817,000 | 244,557,000 | 263,803,000 | 269,956,000 |
| Interest-bearing deposits | 175,829,000 | 158,820,000 | 170,574,000 | 139,908,000 |
| Noninterest-bearing deposits | 62,988,000 | 85,738,000 | 93,229,000 | 130,048,000 |
| Equity capital | 34,665,000 | 35,363,000 | 35,994,000 | 36,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,752,000 | 5,637,000 | 8,754,000 | 12,175,000 |
| Interest expense | 121,000 | 241,000 | 386,000 | 567,000 |
| Net interest income | 2,631,000 | 5,396,000 | 8,368,000 | 11,608,000 |
| Noninterest income | 988,000 | 2,005,000 | 3,105,000 | 4,287,000 |
| Noninterest expense | 2,478,000 | 5,283,000 | 8,240,000 | 11,704,000 |
| Provision for loan losses | 77,000 | 173,000 | 298,000 | 553,000 |
| Pretax income | 1,064,000 | 1,945,000 | 2,935,000 | 3,638,000 |
| Income tax | 253,000 | 459,000 | 712,000 | 858,000 |
| Net income | 811,000 | 1,486,000 | 2,223,000 | 2,780,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,252,000 | 35,941,000 | 36,653,000 | 37,207,000 |
| Total capital | 37,600,000 | 38,440,000 | 39,471,000 | 40,300,000 |
| Risk-weighted assets | 187,498,000 | 199,573,000 | 225,289,000 | 247,287,000 |