Call reports 2017
BANK OF OAK RIDGE — 2017
What BANK OF OAK RIDGE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 395,221,000 | 409,244,000 | 415,371,000 | 427,923,000 |
| Total loans | 314,794,000 | 325,697,000 | 334,887,000 | 340,643,000 |
| Allowance for loan losses | 3,738,000 | 3,654,000 | 3,614,000 | 3,538,000 |
| Securities available for sale | 42,854,000 | 44,442,000 | 44,636,000 | 43,375,000 |
| Securities held to maturity | 1,328,000 | 1,244,000 | 1,167,000 | 1,108,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,930,000 | 341,977,000 | 350,713,000 | 362,926,000 |
| Interest-bearing deposits | 275,570,000 | 287,187,000 | 294,794,000 | 310,565,000 |
| Noninterest-bearing deposits | 53,360,000 | 54,790,000 | 55,919,000 | 52,361,000 |
| Equity capital | 39,208,000 | 40,315,000 | 41,210,000 | 41,904,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,978,000 | 8,222,000 | 12,721,000 | 17,307,000 |
| Interest expense | 470,000 | 971,000 | 1,543,000 | 2,160,000 |
| Net interest income | 3,508,000 | 7,251,000 | 11,178,000 | 15,147,000 |
| Noninterest income | 585,000 | 1,282,000 | 1,972,000 | 2,791,000 |
| Noninterest expense | 3,020,000 | 6,271,000 | 9,652,000 | 13,065,000 |
| Provision for loan losses | 65,000 | -20,000 | -60,000 | -60,000 |
| Pretax income | 1,003,000 | 2,265,000 | 3,535,000 | 4,950,000 |
| Income tax | 268,000 | 653,000 | 1,015,000 | 1,634,000 |
| Net income | 735,000 | 1,612,000 | 2,520,000 | 3,316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,612,000 | 39,315,000 | 40,080,000 | 40,789,000 |
| Total capital | 42,350,000 | 42,969,000 | 43,694,000 | 44,327,000 |
| Risk-weighted assets | 315,648,000 | 328,079,000 | 340,118,000 | 346,153,000 |