Call reports 2020
OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK — 2020
What OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 385,299,000 | 513,533,000 | 534,762,000 | 538,199,000 |
| Total loans | 301,179,000 | 421,641,000 | 427,926,000 | 390,964,000 |
| Allowance for loan losses | 3,966,000 | 4,873,000 | 5,782,000 | 5,791,000 |
| Securities available for sale | 26,006,000 | 27,868,000 | 32,407,000 | 37,806,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,670,000 | 465,927,000 | 486,292,000 | 486,702,000 |
| Interest-bearing deposits | 261,558,000 | 340,097,000 | 351,599,000 | 350,146,000 |
| Noninterest-bearing deposits | 78,112,000 | 125,830,000 | 134,693,000 | 136,556,000 |
| Equity capital | 41,658,000 | 43,211,000 | 44,207,000 | 46,151,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,216,000 | 8,717,000 | 13,455,000 | 18,867,000 |
| Interest expense | 233,000 | 361,000 | 503,000 | 628,000 |
| Net interest income | 3,983,000 | 8,356,000 | 12,952,000 | 18,239,000 |
| Noninterest income | 1,118,000 | 2,205,000 | 3,456,000 | 5,153,000 |
| Noninterest expense | 3,814,000 | 7,218,000 | 11,057,000 | 15,207,000 |
| Provision for loan losses | 378,000 | 1,278,000 | 2,178,000 | 2,178,000 |
| Pretax income | 909,000 | 2,065,000 | 3,173,000 | 6,007,000 |
| Income tax | 214,000 | 491,000 | 757,000 | 1,474,000 |
| Net income | 695,000 | 1,574,000 | 2,416,000 | 4,533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,377,000 | 42,222,000 | 43,048,000 | 45,133,000 |