Call reports 2009
BANK OF OAK RIDGE — 2009
What BANK OF OAK RIDGE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 345,529,000 | 351,445,000 | 340,887,000 | 337,931,000 |
| Total loans | 250,151,000 | 247,009,000 | 249,699,000 | 251,300,000 |
| Allowance for loan losses | 2,776,000 | 3,034,000 | 3,315,000 | 3,667,000 |
| Securities available for sale | 48,366,000 | 55,235,000 | 55,028,000 | 47,184,000 |
| Securities held to maturity | 12,517,000 | 11,546,000 | 10,830,000 | 10,355,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 303,618,000 | 307,240,000 | 292,951,000 | 298,329,000 |
| Interest-bearing deposits | 284,966,000 | 286,978,000 | 272,781,000 | 277,809,000 |
| Noninterest-bearing deposits | 18,652,000 | 20,263,000 | 20,170,000 | 20,520,000 |
| Equity capital | 25,091,000 | 27,058,000 | 28,867,000 | 28,957,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,692,000 | 9,629,000 | 14,708,000 | 19,625,000 |
| Interest expense | 2,188,000 | 4,207,000 | 5,958,000 | 7,356,000 |
| Net interest income | 2,504,000 | 5,422,000 | 8,750,000 | 12,269,000 |
| Noninterest income | 710,000 | 1,391,000 | 2,229,000 | 3,024,000 |
| Noninterest expense | 2,653,000 | 5,571,000 | 8,643,000 | 11,744,000 |
| Provision for loan losses | 366,000 | 669,000 | 1,546,000 | 2,544,000 |
| Pretax income | 195,000 | 573,000 | 790,000 | 1,043,000 |
| Income tax | 63,000 | 201,000 | 252,000 | 328,000 |
| Net income | 132,000 | 372,000 | 538,000 | 715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,173,000 | 26,248,000 | 27,492,000 | 27,725,000 |
| Total capital | 27,949,000 | 29,282,000 | 30,807,000 | 31,126,000 |
| Risk-weighted assets | 275,056,000 | 275,428,000 | 281,509,000 | 271,788,000 |
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