Call reports 2015
BANK OF OAK RIDGE — 2015
What BANK OF OAK RIDGE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 359,886,000 | 356,885,000 | 348,669,000 | 358,283,000 |
| Total loans | 279,332,000 | 275,952,000 | 277,460,000 | 280,452,000 |
| Allowance for loan losses | 4,276,000 | 3,842,000 | 3,827,000 | 3,898,000 |
| Securities available for sale | 50,126,000 | 47,047,000 | 46,996,000 | 46,526,000 |
| Securities held to maturity | 2,315,000 | 2,123,000 | 1,934,000 | 1,771,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 318,183,000 | 315,196,000 | 305,891,000 | 308,793,000 |
| Interest-bearing deposits | 277,399,000 | 273,190,000 | 261,431,000 | 265,211,000 |
| Noninterest-bearing deposits | 40,784,000 | 42,006,000 | 44,460,000 | 43,582,000 |
| Equity capital | 34,688,000 | 34,878,000 | 36,059,000 | 36,797,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,881,000 | 7,727,000 | 11,531,000 | 15,336,000 |
| Interest expense | 472,000 | 920,000 | 1,370,000 | 1,822,000 |
| Net interest income | 3,409,000 | 6,807,000 | 10,161,000 | 13,514,000 |
| Noninterest income | 410,000 | 1,053,000 | 1,739,000 | 2,392,000 |
| Noninterest expense | 3,406,000 | 6,452,000 | 9,513,000 | 12,546,000 |
| Provision for loan losses | 25,000 | -275,000 | -525,000 | -435,000 |
| Pretax income | 1,066,000 | 2,357,000 | 3,611,000 | 4,494,000 |
| Income tax | 320,000 | 725,000 | 1,126,000 | 1,400,000 |
| Net income | 746,000 | 1,632,000 | 2,485,000 | 3,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,796,000 | 34,581,000 | 35,376,000 | 35,856,000 |
| Total capital | 37,202,000 | 37,991,000 | 38,853,000 | 39,375,000 |
| Risk-weighted assets | 271,644,000 | 272,368,000 | 277,839,000 | 281,157,000 |