Call reports 2022
BANK OF OAK RIDGE — 2022
What BANK OF OAK RIDGE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 613,740,000 | 607,726,000 | 563,972,000 | 584,845,000 |
| Total loans | 435,735,000 | 433,676,000 | 437,508,000 | 437,145,000 |
| Allowance for loan losses | 3,891,000 | 4,774,000 | 4,944,000 | 4,851,000 |
| Securities available for sale | 54,371,000 | 84,059,000 | 86,325,000 | 80,938,000 |
| Securities held to maturity | 370,000 | 354,000 | 325,000 | 311,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 546,553,000 | 540,418,000 | 487,065,000 | 485,712,000 |
| Interest-bearing deposits | 403,203,000 | 422,177,000 | 363,629,000 | 365,159,000 |
| Noninterest-bearing deposits | 143,350,000 | 118,241,000 | 123,437,000 | 120,554,000 |
| Equity capital | 60,173,000 | 60,351,000 | 60,209,000 | 62,157,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 5,888,000 | 11,529,000 | 17,589,000 | 23,977,000 |
| Interest expense | 258,000 | 495,000 | 736,000 | 1,440,000 |
| Net interest income | 5,630,000 | 11,034,000 | 16,853,000 | 22,537,000 |
| Noninterest income | 779,000 | 2,079,000 | 3,067,000 | 4,070,000 |
| Noninterest expense | 4,037,000 | 8,513,000 | 12,888,000 | 17,244,000 |
| Provision for loan losses | 88,000 | -19,000 | 141,000 | -41,000 |
| Pretax income | 2,284,000 | 4,619,000 | 6,878,000 | 9,251,000 |
| Income tax | 457,000 | 924,000 | 1,393,000 | 1,891,000 |
| Net income | 1,827,000 | 3,695,000 | 5,485,000 | 7,360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,821,000 | 61,356,000 | 62,986,000 | 64,363,000 |