Call reports 2011
BANK OF OAK RIDGE — 2011
What BANK OF OAK RIDGE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 355,906,000 | 346,195,000 | 350,364,000 | 351,868,000 |
| Total loans | 255,878,000 | 252,695,000 | 250,350,000 | 256,087,000 |
| Allowance for loan losses | 4,465,000 | 4,500,000 | 4,535,000 | 4,446,000 |
| Securities available for sale | 53,645,000 | 49,842,000 | 53,963,000 | 51,212,000 |
| Securities held to maturity | 6,856,000 | 6,337,000 | 5,794,000 | 5,211,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 315,064,000 | 302,690,000 | 315,742,000 | 317,258,000 |
| Interest-bearing deposits | 286,050,000 | 271,495,000 | 283,321,000 | 286,921,000 |
| Noninterest-bearing deposits | 29,014,000 | 31,195,000 | 32,421,000 | 30,338,000 |
| Equity capital | 28,966,000 | 32,565,000 | 32,653,000 | 32,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,439,000 | 8,832,000 | 13,112,000 | 17,521,000 |
| Interest expense | 929,000 | 1,794,000 | 2,566,000 | 3,291,000 |
| Net interest income | 3,510,000 | 7,038,000 | 10,546,000 | 14,230,000 |
| Noninterest income | 821,000 | 1,698,000 | 2,280,000 | 3,044,000 |
| Noninterest expense | 3,451,000 | 6,784,000 | 9,830,000 | 13,237,000 |
| Provision for loan losses | 605,000 | 1,866,000 | 2,827,000 | 3,977,000 |
| Pretax income | 275,000 | 344,000 | 427,000 | 475,000 |
| Income tax | 75,000 | 55,000 | 48,000 | 61,000 |
| Net income | 200,000 | 289,000 | 379,000 | 414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,035,000 | 31,497,000 | 31,483,000 | 31,405,000 |
| Total capital | 31,311,000 | 34,808,000 | 34,718,000 | 34,640,000 |
| Risk-weighted assets | 260,158,000 | 263,697,000 | 257,532,000 | 257,606,000 |
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