Call reports 2005
BANK OF OAK RIDGE — 2005
What BANK OF OAK RIDGE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 139,381,000 | 150,482,000 | 162,507,000 | 172,504,000 |
| Total loans | 94,017,000 | 106,457,000 | 115,689,000 | 122,628,000 |
| Allowance for loan losses | 1,034,000 | 1,192,000 | 1,316,000 | 1,410,000 |
| Securities available for sale | 32,579,000 | 31,329,000 | 29,761,000 | 27,808,000 |
| Securities held to maturity | 1,995,000 | 1,923,000 | 1,833,000 | 1,753,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,432,000 | 111,270,000 | 123,272,000 | 140,169,000 |
| Interest-bearing deposits | 91,986,000 | 101,564,000 | 111,930,000 | 129,297,000 |
| Noninterest-bearing deposits | 9,446,000 | 9,706,000 | 11,342,000 | 10,872,000 |
| Equity capital | 14,432,000 | 14,837,000 | 14,847,000 | 15,142,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,799,000 | 3,903,000 | 6,269,000 | 8,958,000 |
| Interest expense | 660,000 | 1,484,000 | 2,481,000 | 3,702,000 |
| Net interest income | 1,139,000 | 2,419,000 | 3,788,000 | 5,256,000 |
| Noninterest income | 227,000 | 585,000 | 919,000 | 1,319,000 |
| Noninterest expense | 1,241,000 | 2,473,000 | 3,825,000 | 5,276,000 |
| Provision for loan losses | 66,000 | 262,000 | 390,000 | 508,000 |
| Pretax income | 59,000 | 272,000 | 495,000 | 794,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 59,000 | 272,000 | 495,000 | 794,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,796,000 | 15,009,000 | 15,233,000 | 15,531,000 |
| Total capital | 15,830,000 | 16,201,000 | 16,549,000 | 16,941,000 |
| Risk-weighted assets | 100,946,000 | 114,676,000 | 125,315,000 | 132,101,000 |
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