Call reports 2021
OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK — 2021
What OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 638,634,000 | 665,755,000 | 686,479,000 | 691,606,000 |
| Total loans | 401,196,000 | 390,100,000 | 391,646,000 | 398,155,000 |
| Allowance for loan losses | 6,020,000 | 6,024,000 | 6,026,000 | 5,905,000 |
| Securities available for sale | 50,543,000 | 65,509,000 | 82,398,000 | 123,075,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 585,782,000 | 610,071,000 | 615,188,000 | 620,223,000 |
| Interest-bearing deposits | 413,894,000 | 428,532,000 | 432,578,000 | 447,559,000 |
| Noninterest-bearing deposits | 171,888,000 | 181,539,000 | 182,610,000 | 172,664,000 |
| Equity capital | 47,750,000 | 50,122,000 | 65,249,000 | 66,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 5,313,000 | 10,327,000 | 15,731,000 | 21,050,000 |
| Interest expense | 92,000 | 194,000 | 290,000 | 383,000 |
| Net interest income | 5,221,000 | 10,133,000 | 15,441,000 | 20,667,000 |
| Noninterest income | 1,413,000 | 3,226,000 | 4,854,000 | 6,616,000 |
| Noninterest expense | 3,968,000 | 8,072,000 | 12,211,000 | 16,516,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,666,000 | 5,287,000 | 8,084,000 | 10,767,000 |
| Income tax | 663,000 | 1,318,000 | 2,014,000 | 2,631,000 |
| Net income | 2,003,000 | 3,969,000 | 6,070,000 | 8,136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,100,000 | 49,097,000 | 64,685,000 | 66,593,000 |
| Total capital | — | 53,148,000 | 69,080,000 | 71,468,000 |
| Risk-weighted assets | — | 322,009,000 | 349,856,000 | 388,874,000 |