Call reports 2013
BANK OF OAK RIDGE — 2013
What BANK OF OAK RIDGE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 348,342,000 | 344,561,000 | 350,663,000 | 348,227,000 |
| Total loans | 259,543,000 | 263,759,000 | 265,772,000 | 266,416,000 |
| Allowance for loan losses | 5,367,000 | 5,460,000 | 5,516,000 | 5,049,000 |
| Securities available for sale | 44,045,000 | 42,883,000 | 50,081,000 | 50,934,000 |
| Securities held to maturity | 3,719,000 | 3,506,000 | 3,276,000 | 3,119,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,800,000 | 310,498,000 | 316,344,000 | 313,736,000 |
| Interest-bearing deposits | 271,043,000 | 272,481,000 | 275,970,000 | 276,663,000 |
| Noninterest-bearing deposits | 42,757,000 | 38,016,000 | 40,374,000 | 37,073,000 |
| Equity capital | 32,040,000 | 31,262,000 | 31,470,000 | 31,634,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,640,000 | 7,352,000 | 11,381,000 | 15,212,000 |
| Interest expense | 424,000 | 848,000 | 1,251,000 | 1,677,000 |
| Net interest income | 3,216,000 | 6,504,000 | 10,130,000 | 13,535,000 |
| Noninterest income | 741,000 | 1,430,000 | 2,133,000 | 2,863,000 |
| Noninterest expense | 3,331,000 | 6,646,000 | 9,644,000 | 12,833,000 |
| Provision for loan losses | 366,000 | 712,000 | 1,279,000 | 1,638,000 |
| Pretax income | 313,000 | 629,000 | 1,368,000 | 2,023,000 |
| Income tax | 78,000 | 154,000 | 448,000 | 619,000 |
| Net income | 235,000 | 475,000 | 920,000 | 1,404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,708,000 | 30,818,000 | 31,131,000 | 31,529,000 |
| Total capital | 33,849,000 | 33,953,000 | 34,342,000 | 34,791,000 |
| Risk-weighted assets | 249,039,000 | 248,499,000 | 254,717,000 | 259,152,000 |