Call reports 2012
BANK OF OAK RIDGE — 2012
What BANK OF OAK RIDGE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 359,600,000 | 351,204,000 | 342,681,000 | 342,583,000 |
| Total loans | 258,054,000 | 259,447,000 | 262,755,000 | 261,634,000 |
| Allowance for loan losses | 4,419,000 | 4,437,000 | 4,477,000 | 5,500,000 |
| Securities available for sale | 48,429,000 | 49,738,000 | 46,955,000 | 43,937,000 |
| Securities held to maturity | 4,959,000 | 4,667,000 | 4,187,000 | 3,928,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,773,000 | 316,195,000 | 307,657,000 | 308,034,000 |
| Interest-bearing deposits | 293,217,000 | 285,603,000 | 260,399,000 | 266,496,000 |
| Noninterest-bearing deposits | 31,556,000 | 30,592,000 | 47,258,000 | 41,538,000 |
| Equity capital | 32,608,000 | 32,625,000 | 32,840,000 | 32,115,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,154,000 | 8,123,000 | 11,988,000 | 15,747,000 |
| Interest expense | 688,000 | 1,274,000 | 1,752,000 | 2,205,000 |
| Net interest income | 3,466,000 | 6,849,000 | 10,236,000 | 13,542,000 |
| Noninterest income | 804,000 | 1,696,000 | 2,545,000 | 2,956,000 |
| Noninterest expense | 3,491,000 | 7,115,000 | 10,473,000 | 13,903,000 |
| Provision for loan losses | 564,000 | 2,585,000 | 3,418,000 | 5,908,000 |
| Pretax income | 215,000 | -1,155,000 | -1,109,000 | -3,311,000 |
| Income tax | 43,000 | -526,000 | -559,000 | -1,440,000 |
| Net income | 172,000 | -629,000 | -550,000 | -1,871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,446,000 | 31,233,000 | 31,178,000 | 30,600,000 |
| Total capital | 34,676,000 | 34,412,000 | 34,354,000 | 33,779,000 |
| Risk-weighted assets | 257,182,000 | 253,062,000 | 252,795,000 | 252,014,000 |