Call reports 2008
BANK OF OAK RIDGE — 2008
What BANK OF OAK RIDGE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 288,326,000 | 291,557,000 | 310,482,000 | 320,420,000 |
| Total loans | 228,346,000 | 234,917,000 | 238,616,000 | 245,481,000 |
| Allowance for loan losses | 2,272,000 | 2,342,000 | 2,380,000 | 2,448,000 |
| Securities available for sale | 22,721,000 | 21,427,000 | 29,089,000 | 35,594,000 |
| Securities held to maturity | 10,785,000 | 10,319,000 | 13,520,000 | 13,156,000 |
| Trading assets | 809,000 | 804,000 | 801,000 | 0 |
| Total deposits | 241,161,000 | 245,043,000 | 262,153,000 | 272,125,000 |
| Interest-bearing deposits | 225,398,000 | 227,743,000 | 243,191,000 | 253,944,000 |
| Noninterest-bearing deposits | 15,762,000 | 17,300,000 | 18,962,000 | 18,181,000 |
| Equity capital | 23,039,000 | 22,789,000 | 24,561,000 | 24,508,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,448,000 | 8,895,000 | 13,348,000 | 18,028,000 |
| Interest expense | 2,451,000 | 4,605,000 | 6,706,000 | 8,919,000 |
| Net interest income | 1,997,000 | 4,290,000 | 6,642,000 | 9,109,000 |
| Noninterest income | 754,000 | 1,651,000 | 2,549,000 | 3,317,000 |
| Noninterest expense | 2,407,000 | 4,830,000 | 7,332,000 | 9,902,000 |
| Provision for loan losses | 164,000 | 263,000 | 337,000 | 603,000 |
| Pretax income | 180,000 | 848,000 | 1,522,000 | 1,921,000 |
| Income tax | 64,000 | 301,000 | 547,000 | 692,000 |
| Net income | 116,000 | 547,000 | 975,000 | 1,229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,678,000 | 22,982,000 | 24,350,000 | 24,614,000 |
| Total capital | 24,950,000 | 25,325,000 | 26,729,000 | 27,062,000 |
| Risk-weighted assets | 238,835,000 | 245,005,000 | 256,878,000 | 258,712,000 |
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