Call reports 2024
OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK — 2024
What OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 787,300,000 | 771,719,000 | 795,129,000 | 776,319,000 |
| Total loans | 550,945,000 | 563,002,000 | 565,492,000 | 571,565,000 |
| Allowance for loan losses | 7,018,000 | 7,250,000 | 7,400,000 | 7,400,000 |
| Securities available for sale | 170,740,000 | 162,482,000 | 163,275,000 | 155,258,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 697,824,000 | 680,406,000 | 698,813,000 | 679,966,000 |
| Interest-bearing deposits | 540,779,000 | 523,761,000 | 539,934,000 | 535,201,000 |
| Noninterest-bearing deposits | 157,045,000 | 156,645,000 | 158,879,000 | 144,765,000 |
| Equity capital | 74,750,000 | 76,355,000 | 80,825,000 | 81,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 8,879,000 | 18,166,000 | 27,704,000 | 37,303,000 |
| Interest expense | 2,137,000 | 4,449,000 | 6,983,000 | 9,422,000 |
| Net interest income | 6,742,000 | 13,717,000 | 20,721,000 | 27,881,000 |
| Noninterest income | 1,789,000 | 3,748,000 | 5,786,000 | 7,940,000 |
| Noninterest expense | 6,203,000 | 12,266,000 | 18,431,000 | 24,552,000 |
| Provision for loan losses | 40,000 | 181,000 | 331,000 | 331,000 |
| Pretax income | 2,328,000 | 5,048,000 | 7,740,000 | 10,963,000 |
| Income tax | 495,000 | 1,157,000 | 1,818,000 | 2,629,000 |
| Net income | 1,833,000 | 3,891,000 | 5,922,000 | 8,334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,699,000 | 85,416,000 | 87,101,000 | 89,133,000 |
| Total capital | 91,001,000 | 92,862,000 | 94,538,000 | 96,633,000 |
| Risk-weighted assets | 584,033,000 | 595,423,000 | 594,519,000 | 599,670,000 |