Call reports 2022
OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK — 2022
What OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 706,492,000 | 712,427,000 | 780,708,000 | 754,054,000 |
| Total loans | 412,188,000 | 435,478,000 | 456,627,000 | 482,979,000 |
| Allowance for loan losses | 5,959,000 | 6,088,000 | 6,328,000 | 6,666,000 |
| Securities available for sale | 157,922,000 | 170,977,000 | 188,366,000 | 195,882,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 637,880,000 | 644,475,000 | 714,613,000 | 684,531,000 |
| Interest-bearing deposits | 458,331,000 | 454,021,000 | 514,493,000 | 502,502,000 |
| Noninterest-bearing deposits | 179,549,000 | 190,454,000 | 200,120,000 | 182,029,000 |
| Equity capital | 63,412,000 | 62,386,000 | 60,110,000 | 63,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 5,100,000 | 10,788,000 | 17,245,000 | 24,895,000 |
| Interest expense | 95,000 | 200,000 | 350,000 | 695,000 |
| Net interest income | 5,005,000 | 10,588,000 | 16,895,000 | 24,200,000 |
| Noninterest income | 1,645,000 | 3,426,000 | 5,469,000 | 7,355,000 |
| Noninterest expense | 4,507,000 | 8,950,000 | 13,752,000 | 18,666,000 |
| Provision for loan losses | 50,000 | 150,000 | 359,000 | 694,000 |
| Pretax income | 2,093,000 | 4,914,000 | 8,253,000 | 10,366,000 |
| Income tax | 459,000 | 1,129,000 | 1,925,000 | 2,386,000 |
| Net income | 1,634,000 | 3,785,000 | 6,328,000 | 7,980,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,040,000 | 70,041,000 | 72,410,000 | 73,882,000 |
| Total capital | 73,229,000 | 75,963,000 | 78,526,000 | 80,516,000 |
| Risk-weighted assets | 414,291,000 | 473,495,000 | 488,975,000 | 530,610,000 |