Call reports 2025
OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK — 2025
What OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 797,501,000 | 804,958,000 | 837,360,000 | 811,846,000 |
| Total loans | 582,939,000 | 591,795,000 | 594,695,000 | 599,636,000 |
| Allowance for loan losses | 7,400,000 | 7,388,000 | 7,891,000 | 8,237,000 |
| Securities available for sale | 145,609,000 | 142,356,000 | 162,012,000 | 155,158,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 698,892,000 | 704,844,000 | 735,659,000 | 709,044,000 |
| Interest-bearing deposits | 541,721,000 | 537,812,000 | 561,988,000 | 546,774,000 |
| Noninterest-bearing deposits | 157,171,000 | 167,032,000 | 173,671,000 | 162,270,000 |
| Equity capital | 83,940,000 | 85,573,000 | 86,685,000 | 87,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 9,399,000 | 19,145,000 | 29,548,000 | 40,082,000 |
| Interest expense | 2,387,000 | 4,713,000 | 7,172,000 | 9,542,000 |
| Net interest income | 7,012,000 | 14,432,000 | 22,376,000 | 30,540,000 |
| Noninterest income | 2,144,000 | 4,231,000 | 6,417,000 | 8,705,000 |
| Noninterest expense | 6,711,000 | 13,158,000 | 19,459,000 | 25,742,000 |
| Provision for loan losses | 0 | 164,000 | 669,000 | 1,015,000 |
| Pretax income | 2,445,000 | 5,341,000 | 8,542,000 | 12,372,000 |
| Income tax | 530,000 | 1,234,000 | 2,051,000 | 3,037,000 |
| Net income | 1,915,000 | 4,107,000 | 6,491,000 | 9,335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,548,000 | 91,437,000 | 91,563,000 | 91,828,000 |
| Total capital | 98,175,000 | 99,153,000 | 99,379,000 | 99,655,000 |
| Risk-weighted assets | 609,934,000 | 617,153,000 | 624,626,000 | 625,197,000 |