Oregon Bancorp (Oregon Bancorp) Effective Interest Rate on Debt % : 135.33% (As of Sep. 2007)

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What is Oregon Bancorp Effective Interest Rate on Debt %?

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Oregon Bancorp's annualized positive value of Interest Expense for the quarter that ended in Sep. 2007 was $4.06 Mil. Oregon Bancorp's average total debt for the quarter that ended in Sep. 2007 was $3.00 Mil. Therefore, Oregon Bancorp's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2007 was 135.33%.

Oregon Bancorp Effective Interest Rate on Debt % Historical Data

The historical data trend for Oregon Bancorp's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Oregon Bancorp Effective Interest Rate on Debt % Chart

Oregon Bancorp Annual Data

Trend

Dec03

Dec04

Dec05

Dec06

Effective Interest Rate on Debt %

80.57

Oregon Bancorp Quarterly Data
	Dec03	Mar04	Jun04	Sep04	Dec04	Mar05	Jun05	Sep05	Dec05	Mar06	Jun06	Sep06	Dec06	Mar07	Jun07	Sep07
Effective Interest Rate on Debt %	Get a 7-Day Free Trial											-	105.73	120.40	126.93	135.33

Competitive Comparison of Oregon Bancorp's Effective Interest Rate on Debt %

For the Banks - Regional subindustry, Oregon Bancorp's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Oregon Bancorp's Effective Interest Rate on Debt % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Oregon Bancorp's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Oregon Bancorp's Effective Interest Rate on Debt % falls into.

Oregon Bancorp Effective Interest Rate on Debt % Calculation

Oregon Bancorp's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2006 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (A: Dec. 2005 )	+	Total Debt (A: Dec. 2006 ))	/ count )
=	-1 * -2.417	/	( (0	+	3)	/ 1 )
=	-1 * -2.417	/	3
=	80.57 %

where

	Total Debt (A: Dec. 2005 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	0	+	0
=	0

	Total Debt (A: Dec. 2006 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	0	+	3
=	3

Oregon Bancorp's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2007 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (Q: Jun. 2007 )	+	Total Debt (Q: Sep. 2007 ))	/ count )
=	-1 * -4.06	/	( (3	+	0)	/ 1 )
=	-1 * -4.06	/	3
=	135.33 %

where

	Total Debt (Q: Jun. 2007 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	0	+	3
=	3

	Total Debt (Q: Sep. 2007 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	0	+	0
=	0

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Sep. 2007) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

Oregon Bancorp (OTCPK:ORBN) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

Oregon Bancorp Effective Interest Rate on Debt % Related Terms

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Oregon Bancorp (Oregon Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Oregon Bancorp Inc (OTCPK:ORBN) » Definitions » Effective Interest Rate on Debt %

Comparable Companies

Traded in Other Exchanges

N/A

Address

101 High Street, North East, P.O. Box 2747, Salem, OR, USA, 97301

Website

https://www.willamettevalleybank.com

Oregon Bancorp Inc is a bank holding company for The Bank of Glen Burnie. It offers retail and commercial banking services such as checking, savings, loans, mobile banking, online banking, wire transfer, ACH services, debit card, automated teller machines, and safe deposit boxes among others. It has two segments Community Banking and Home Mortgage Lending. The bank generates its revenue in the form of interest income. All of the revenues are earned within the United States.