Call reports 2006
BANK OF OAK RIDGE — 2006
What BANK OF OAK RIDGE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 177,285,000 | 179,064,000 | 194,736,000 | 207,136,000 |
| Total loans | 129,239,000 | 137,795,000 | 149,160,000 | 159,427,000 |
| Allowance for loan losses | 1,512,000 | 1,606,000 | 1,708,000 | 1,704,000 |
| Securities available for sale | 26,793,000 | 24,997,000 | 24,013,000 | 23,403,000 |
| Securities held to maturity | 1,715,000 | 1,685,000 | 1,650,000 | 1,607,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,785,000 | 146,250,000 | 160,462,000 | 172,285,000 |
| Interest-bearing deposits | 130,589,000 | 131,959,000 | 145,573,000 | 158,540,000 |
| Noninterest-bearing deposits | 14,196,000 | 14,291,000 | 14,889,000 | 13,745,000 |
| Equity capital | 15,422,000 | 15,544,000 | 16,123,000 | 16,453,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,857,000 | 5,925,000 | 9,269,000 | 12,881,000 |
| Interest expense | 1,337,000 | 2,774,000 | 4,453,000 | 6,357,000 |
| Net interest income | 1,520,000 | 3,151,000 | 4,816,000 | 6,524,000 |
| Noninterest income | 513,000 | 1,009,000 | 1,516,000 | 2,068,000 |
| Noninterest expense | 1,589,000 | 3,270,000 | 4,985,000 | 6,802,000 |
| Provision for loan losses | 116,000 | 219,000 | 323,000 | 333,000 |
| Pretax income | 328,000 | 671,000 | 1,024,000 | 1,457,000 |
| Income tax | 0 | 0 | 0 | 198,000 |
| Net income | 328,000 | 671,000 | 1,024,000 | 1,259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,864,000 | 16,208,000 | 16,561,000 | 17,036,000 |
| Total capital | 17,376,000 | 17,814,000 | 18,269,000 | 18,740,000 |
| Risk-weighted assets | 138,473,000 | 145,575,000 | 159,535,000 | 169,214,000 |
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