Call reports 2007
BANK OF OAK RIDGE — 2007
What BANK OF OAK RIDGE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 211,565,000 | 233,437,000 | 247,296,000 | 261,971,000 |
| Total loans | 169,511,000 | 179,075,000 | 191,982,000 | 212,821,000 |
| Allowance for loan losses | 1,795,000 | 1,862,000 | 1,968,000 | 2,120,000 |
| Securities available for sale | 0 | 17,995,000 | 17,564,000 | 17,354,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 23,407,000 | 1,286,000 | 795,000 | 802,000 |
| Total deposits | 178,060,000 | 195,799,000 | 208,751,000 | 222,654,000 |
| Interest-bearing deposits | 162,610,000 | 176,642,000 | 192,262,000 | 207,883,000 |
| Noninterest-bearing deposits | 15,450,000 | 19,158,000 | 16,489,000 | 14,771,000 |
| Equity capital | 16,577,000 | 20,682,000 | 21,077,000 | 21,517,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,715,000 | 7,622,000 | 11,886,000 | 16,366,000 |
| Interest expense | 1,940,000 | 3,987,000 | 6,251,000 | 8,629,000 |
| Net interest income | 1,775,000 | 3,635,000 | 5,635,000 | 7,737,000 |
| Noninterest income | 579,000 | 1,012,000 | 1,745,000 | 2,565,000 |
| Noninterest expense | 2,014,000 | 4,034,000 | 6,114,000 | 8,142,000 |
| Provision for loan losses | 86,000 | 163,000 | 273,000 | 448,000 |
| Pretax income | 254,000 | 450,000 | 993,000 | 1,712,000 |
| Income tax | 82,000 | 141,000 | 305,000 | 591,000 |
| Net income | 172,000 | 309,000 | 688,000 | 1,121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,577,000 | 20,714,000 | 20,968,000 | 21,254,000 |
| Total capital | 18,372,000 | 22,576,000 | 22,936,000 | 23,374,000 |
| Risk-weighted assets | 179,159,000 | 191,120,000 | 203,976,000 | 224,684,000 |
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