Call reports 2019
OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK — 2019
What OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 322,833,000 | 347,068,000 | 360,233,000 | 364,064,000 |
| Total loans | 259,132,000 | 269,817,000 | 281,462,000 | 298,847,000 |
| Allowance for loan losses | 3,264,000 | 3,380,000 | 3,484,000 | 3,592,000 |
| Securities available for sale | 26,927,000 | 27,410,000 | 27,152,000 | 27,601,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,981,000 | 305,088,000 | 316,991,000 | 318,387,000 |
| Interest-bearing deposits | 209,531,000 | 224,217,000 | 238,667,000 | 244,514,000 |
| Noninterest-bearing deposits | 73,450,000 | 80,871,000 | 78,324,000 | 73,873,000 |
| Equity capital | 37,341,000 | 39,005,000 | 40,166,000 | 41,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,431,000 | 7,290,000 | 11,299,000 | 15,559,000 |
| Interest expense | 241,000 | 513,000 | 809,000 | 1,093,000 |
| Net interest income | 3,190,000 | 6,777,000 | 10,490,000 | 14,466,000 |
| Noninterest income | 721,000 | 1,787,000 | 2,905,000 | 4,029,000 |
| Noninterest expense | 3,327,000 | 6,433,000 | 9,694,000 | 13,332,000 |
| Provision for loan losses | 0 | 110,000 | 205,000 | 235,000 |
| Pretax income | 584,000 | 2,021,000 | 3,496,000 | 4,928,000 |
| Income tax | 131,000 | 484,000 | 850,000 | 1,170,000 |
| Net income | 453,000 | 1,537,000 | 2,646,000 | 3,758,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,608,000 | 38,630,000 | 39,680,000 | 40,734,000 |
| Total capital | 40,790,000 | 41,935,000 | 43,120,000 | 44,371,000 |
| Risk-weighted assets | 254,459,000 | 264,276,000 | 275,111,000 | 295,127,000 |