Call reports 2023
OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK — 2023
What OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 764,355,000 | 752,850,000 | 752,510,000 | 760,913,000 |
| Total loans | 493,480,000 | 510,264,000 | 525,231,000 | 536,662,000 |
| Allowance for loan losses | 6,884,000 | 6,887,000 | 6,892,000 | 6,975,000 |
| Securities available for sale | 195,647,000 | 181,530,000 | 176,593,000 | 177,599,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 691,736,000 | 679,677,000 | 672,230,000 | 662,709,000 |
| Interest-bearing deposits | 523,969,000 | 518,953,000 | 510,275,000 | 505,054,000 |
| Noninterest-bearing deposits | 167,767,000 | 160,724,000 | 161,955,000 | 157,655,000 |
| Equity capital | 66,665,000 | 67,115,000 | 67,588,000 | 73,286,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 7,911,000 | 16,117,000 | 24,646,000 | 33,297,000 |
| Interest expense | 835,000 | 2,170,000 | 3,659,000 | 5,463,000 |
| Net interest income | 7,076,000 | 13,947,000 | 20,987,000 | 27,834,000 |
| Noninterest income | 1,701,000 | 3,494,000 | 5,298,000 | 7,156,000 |
| Noninterest expense | 5,322,000 | 10,691,000 | 16,259,000 | 21,932,000 |
| Provision for loan losses | 70,000 | 70,000 | 70,000 | 150,000 |
| Pretax income | 3,506,000 | 6,757,000 | 10,156,000 | 13,258,000 |
| Income tax | 837,000 | 1,608,000 | 2,619,000 | 3,304,000 |
| Net income | 2,669,000 | 5,149,000 | 7,537,000 | 9,954,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,684,000 | 77,917,000 | 80,082,000 | 82,278,000 |
| Total capital | 82,377,000 | 84,794,000 | 87,070,000 | 89,482,000 |
| Risk-weighted assets | 534,511,000 | 549,402,000 | 558,482,000 | 576,121,000 |