Call reports 2018
BANK OF OAK RIDGE — 2018
What BANK OF OAK RIDGE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 424,917,000 | 435,796,000 | 437,918,000 | 449,787,000 |
| Total loans | 345,526,000 | 356,267,000 | 360,410,000 | 371,909,000 |
| Allowance for loan losses | 3,529,000 | 3,614,000 | 3,604,000 | 3,347,000 |
| Securities available for sale | 42,711,000 | 42,255,000 | 41,306,000 | 41,443,000 |
| Securities held to maturity | 1,048,000 | 991,000 | 938,000 | 892,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 365,361,000 | 369,037,000 | 371,600,000 | 383,031,000 |
| Interest-bearing deposits | 311,635,000 | 311,302,000 | 315,748,000 | 324,360,000 |
| Noninterest-bearing deposits | 53,726,000 | 57,735,000 | 55,852,000 | 58,671,000 |
| Equity capital | 41,959,000 | 42,872,000 | 43,633,000 | 45,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,634,000 | 9,474,000 | 14,493,000 | 19,727,000 |
| Interest expense | 668,000 | 1,403,000 | 2,325,000 | 3,371,000 |
| Net interest income | 3,966,000 | 8,071,000 | 12,168,000 | 16,356,000 |
| Noninterest income | 956,000 | 1,647,000 | 2,393,000 | 3,054,000 |
| Noninterest expense | 3,571,000 | 7,035,000 | 10,483,000 | 13,905,000 |
| Provision for loan losses | 0 | 66,000 | 59,000 | -96,000 |
| Pretax income | 1,347,000 | 2,613,000 | 4,004,000 | 5,583,000 |
| Income tax | 262,000 | 481,000 | 752,000 | 1,045,000 |
| Net income | 1,085,000 | 2,132,000 | 3,252,000 | 4,538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,479,000 | 42,363,000 | 43,446,000 | 44,666,000 |
| Total capital | 45,008,000 | 45,977,000 | 47,050,000 | 48,013,000 |
| Risk-weighted assets | 346,036,000 | 358,066,000 | 362,931,000 | 371,455,000 |