Call reports 2016
BANK OF OAK RIDGE — 2016
What BANK OF OAK RIDGE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 364,192,000 | 367,739,000 | 378,393,000 | 384,700,000 |
| Total loans | 288,756,000 | 290,460,000 | 299,829,000 | 306,476,000 |
| Allowance for loan losses | 3,971,000 | 3,828,000 | 3,714,000 | 3,678,000 |
| Securities available for sale | 47,068,000 | 47,304,000 | 45,723,000 | 44,563,000 |
| Securities held to maturity | 1,681,000 | 1,598,000 | 1,502,000 | 1,397,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 321,922,000 | 322,118,000 | 326,194,000 | 330,182,000 |
| Interest-bearing deposits | 277,845,000 | 277,709,000 | 278,889,000 | 282,756,000 |
| Noninterest-bearing deposits | 44,077,000 | 44,409,000 | 47,305,000 | 47,426,000 |
| Equity capital | 37,773,000 | 39,218,000 | 39,341,000 | 38,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,850,000 | 7,758,000 | 11,747,000 | 15,770,000 |
| Interest expense | 479,000 | 982,000 | 1,487,000 | 1,981,000 |
| Net interest income | 3,371,000 | 6,776,000 | 10,260,000 | 13,789,000 |
| Noninterest income | 595,000 | 1,324,000 | 2,037,000 | 2,670,000 |
| Noninterest expense | 3,063,000 | 6,211,000 | 9,545,000 | 12,709,000 |
| Provision for loan losses | 75,000 | -50,000 | -150,000 | -170,000 |
| Pretax income | 821,000 | 1,932,000 | 3,159,000 | 4,177,000 |
| Income tax | 225,000 | 555,000 | 964,000 | 1,265,000 |
| Net income | 596,000 | 1,377,000 | 2,195,000 | 2,912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,358,000 | 37,062,000 | 37,671,000 | 38,297,000 |
| Total capital | 39,974,000 | 40,704,000 | 41,385,000 | 41,975,000 |
| Risk-weighted assets | 288,934,000 | 291,166,000 | 301,820,000 | 308,357,000 |