Call reports 2020
BANK OF OAK RIDGE — 2020
What BANK OF OAK RIDGE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 488,721,000 | 544,051,000 | 545,724,000 | 536,641,000 |
| Total loans | 403,224,000 | 452,260,000 | 453,534,000 | 450,585,000 |
| Allowance for loan losses | 4,016,000 | 4,505,000 | 5,106,000 | 5,458,000 |
| Securities available for sale | 43,354,000 | 44,125,000 | 45,529,000 | 46,357,000 |
| Securities held to maturity | 703,000 | 651,000 | 600,000 | 564,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 413,816,000 | 473,543,000 | 474,314,000 | 466,473,000 |
| Interest-bearing deposits | 346,524,000 | 371,581,000 | 378,163,000 | 372,109,000 |
| Noninterest-bearing deposits | 67,292,000 | 101,962,000 | 96,151,000 | 94,364,000 |
| Equity capital | 50,771,000 | 52,638,000 | 53,568,000 | 54,644,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,289,000 | 10,853,000 | 16,497,000 | 22,109,000 |
| Interest expense | 1,140,000 | 2,078,000 | 2,882,000 | 3,509,000 |
| Net interest income | 4,149,000 | 8,775,000 | 13,615,000 | 18,600,000 |
| Noninterest income | 668,000 | 1,614,000 | 2,510,000 | 3,159,000 |
| Noninterest expense | 3,330,000 | 6,709,000 | 10,365,000 | 13,978,000 |
| Provision for loan losses | 1,140,000 | 1,629,000 | 2,246,000 | 2,746,000 |
| Pretax income | 347,000 | 2,051,000 | 3,461,000 | 4,977,000 |
| Income tax | 33,000 | 390,000 | 660,000 | 925,000 |
| Net income | 314,000 | 1,661,000 | 2,801,000 | 4,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,267,000 | 49,341,000 | 50,233,000 | 50,953,000 |