Call reports 2021
BANK OF OAK RIDGE — 2021
What BANK OF OAK RIDGE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 572,704,000 | 565,225,000 | 558,735,000 | 582,719,000 |
| Total loans | 462,983,000 | 447,308,000 | 441,464,000 | 429,656,000 |
| Allowance for loan losses | 5,250,000 | 4,544,000 | 4,227,000 | 3,756,000 |
| Securities available for sale | 45,152,000 | 46,852,000 | 45,129,000 | 46,947,000 |
| Securities held to maturity | 529,000 | 480,000 | 455,000 | 387,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 503,453,000 | 500,217,000 | 492,206,000 | 514,268,000 |
| Interest-bearing deposits | 392,471,000 | 386,136,000 | 373,091,000 | 397,727,000 |
| Noninterest-bearing deposits | 110,982,000 | 114,080,000 | 119,115,000 | 116,541,000 |
| Equity capital | 56,059,000 | 57,817,000 | 59,479,000 | 61,030,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 6,254,000 | 12,048,000 | 17,879,000 | 23,366,000 |
| Interest expense | 421,000 | 785,000 | 1,095,000 | 1,370,000 |
| Net interest income | 5,833,000 | 11,263,000 | 16,784,000 | 21,996,000 |
| Noninterest income | 671,000 | 1,329,000 | 2,067,000 | 3,908,000 |
| Noninterest expense | 3,728,000 | 7,358,000 | 11,178,000 | 15,910,000 |
| Provision for loan losses | -112,000 | -112,000 | -247,000 | -682,000 |
| Pretax income | 2,878,000 | 5,318,000 | 8,074,000 | 10,784,000 |
| Income tax | 601,000 | 1,078,000 | 1,661,000 | 2,237,000 |
| Net income | 2,277,000 | 4,240,000 | 6,413,000 | 8,547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,005,000 | 54,370,000 | 56,371,000 | 58,052,000 |