Call reports 2014
BANK OF OAK RIDGE — 2014
What BANK OF OAK RIDGE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 355,989,000 | 355,933,000 | 358,017,000 | 354,828,000 |
| Total loans | 269,077,000 | 271,675,000 | 275,958,000 | 276,260,000 |
| Allowance for loan losses | 5,128,000 | 4,868,000 | 4,402,000 | 4,191,000 |
| Securities available for sale | 47,840,000 | 51,761,000 | 48,040,000 | 50,390,000 |
| Securities held to maturity | 2,952,000 | 2,805,000 | 2,625,000 | 2,472,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 319,464,000 | 318,697,000 | 317,686,000 | 313,694,000 |
| Interest-bearing deposits | 280,697,000 | 280,245,000 | 278,004,000 | 274,138,000 |
| Noninterest-bearing deposits | 38,767,000 | 38,452,000 | 39,682,000 | 39,556,000 |
| Equity capital | 32,561,000 | 33,164,000 | 33,938,000 | 34,488,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,785,000 | 7,640,000 | 11,525,000 | 15,380,000 |
| Interest expense | 415,000 | 838,000 | 1,267,000 | 1,704,000 |
| Net interest income | 3,370,000 | 6,802,000 | 10,258,000 | 13,676,000 |
| Noninterest income | 782,000 | 1,464,000 | 2,118,000 | 2,742,000 |
| Noninterest expense | 3,154,000 | 6,170,000 | 9,201,000 | 12,322,000 |
| Provision for loan losses | 460,000 | 810,000 | 1,160,000 | 1,382,000 |
| Pretax income | 566,000 | 1,364,000 | 2,145,000 | 2,947,000 |
| Income tax | 132,000 | 334,000 | 559,000 | 797,000 |
| Net income | 434,000 | 1,030,000 | 1,586,000 | 2,150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,874,000 | 32,294,000 | 32,718,000 | 33,164,000 |
| Total capital | 35,153,000 | 35,663,000 | 36,086,000 | 36,605,000 |
| Risk-weighted assets | 260,395,000 | 267,941,000 | 268,424,000 | 274,535,000 |
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