Call reports 2010
BANK OF OAK RIDGE — 2010
What BANK OF OAK RIDGE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 348,883,000 | 342,454,000 | 342,570,000 | 348,760,000 |
| Total loans | 251,919,000 | 253,322,000 | 254,942,000 | 256,486,000 |
| Allowance for loan losses | 3,813,000 | 3,815,000 | 3,986,000 | 4,375,000 |
| Securities available for sale | 40,421,000 | 37,435,000 | 35,665,000 | 48,261,000 |
| Securities held to maturity | 9,675,000 | 9,091,000 | 8,480,000 | 7,534,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 308,281,000 | 302,036,000 | 301,256,000 | 307,037,000 |
| Interest-bearing deposits | 286,106,000 | 276,672,000 | 276,063,000 | 280,270,000 |
| Noninterest-bearing deposits | 22,175,000 | 25,363,000 | 25,193,000 | 26,767,000 |
| Equity capital | 29,478,000 | 29,292,000 | 29,433,000 | 29,105,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,633,000 | 9,078,000 | 13,589,000 | 18,100,000 |
| Interest expense | 1,300,000 | 2,497,000 | 3,629,000 | 4,704,000 |
| Net interest income | 3,333,000 | 6,581,000 | 9,960,000 | 13,396,000 |
| Noninterest income | 814,000 | 1,779,000 | 2,825,000 | 3,805,000 |
| Noninterest expense | 3,164,000 | 6,595,000 | 10,198,000 | 14,006,000 |
| Provision for loan losses | 353,000 | 1,137,000 | 1,898,000 | 2,406,000 |
| Pretax income | 1,016,000 | 1,014,000 | 1,075,000 | 1,154,000 |
| Income tax | 372,000 | 348,000 | 356,000 | 392,000 |
| Net income | 644,000 | 666,000 | 719,000 | 762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,235,000 | 28,122,000 | 28,032,000 | 27,949,000 |
| Total capital | 31,618,000 | 31,555,000 | 31,442,000 | 31,277,000 |
| Risk-weighted assets | 270,217,000 | 274,332,000 | 272,197,000 | 265,796,000 |
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