Call reports 2019
BANK OF OAK RIDGE — 2019
What BANK OF OAK RIDGE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 468,236,000 | 464,989,000 | 466,828,000 | 471,940,000 |
| Total loans | 377,858,000 | 383,267,000 | 388,126,000 | 388,942,000 |
| Allowance for loan losses | 3,285,000 | 3,066,000 | 3,175,000 | 2,886,000 |
| Securities available for sale | 42,104,000 | 40,886,000 | 42,332,000 | 41,183,000 |
| Securities held to maturity | 846,000 | 810,000 | 768,000 | 730,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 398,139,000 | 394,137,000 | 393,581,000 | 399,152,000 |
| Interest-bearing deposits | 340,315,000 | 328,922,000 | 330,896,000 | 334,472,000 |
| Noninterest-bearing deposits | 57,824,000 | 65,215,000 | 62,685,000 | 64,680,000 |
| Equity capital | 47,059,000 | 48,457,000 | 50,006,000 | 50,892,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,324,000 | 10,828,000 | 16,374,000 | 21,794,000 |
| Interest expense | 1,186,000 | 2,395,000 | 3,588,000 | 4,783,000 |
| Net interest income | 4,138,000 | 8,433,000 | 12,786,000 | 17,011,000 |
| Noninterest income | 602,000 | 1,289,000 | 2,125,000 | 2,954,000 |
| Noninterest expense | 3,351,000 | 6,875,000 | 10,365,000 | 13,995,000 |
| Provision for loan losses | -40,000 | 185,000 | 185,000 | 185,000 |
| Pretax income | 1,422,000 | 2,816,000 | 4,509,000 | 5,949,000 |
| Income tax | 267,000 | 520,000 | 851,000 | 1,115,000 |
| Net income | 1,155,000 | 2,296,000 | 3,658,000 | 4,834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,596,000 | 46,521,000 | 47,669,000 | 48,573,000 |
| Total capital | 48,881,000 | 49,587,000 | 50,844,000 | 51,459,000 |
| Risk-weighted assets | 376,917,000 | 386,633,000 | 388,691,000 | 388,955,000 |