Call reports 2025
BANK OF OAK RIDGE — 2025
What BANK OF OAK RIDGE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 674,415,000 | 674,724,000 | 679,085,000 | 657,818,000 |
| Total loans | 526,770,000 | 535,732,000 | 526,588,000 | 515,681,000 |
| Allowance for loan losses | 5,558,000 | 5,921,000 | 6,277,000 | 6,030,000 |
| Securities available for sale | 80,291,000 | 78,439,000 | 83,918,000 | 81,412,000 |
| Securities held to maturity | 18,687,000 | 18,678,000 | 15,821,000 | 15,064,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 550,262,000 | 551,269,000 | 546,880,000 | 538,690,000 |
| Interest-bearing deposits | 425,869,000 | 419,307,000 | 414,954,000 | 410,191,000 |
| Noninterest-bearing deposits | 124,393,000 | 131,962,000 | 131,926,000 | 128,499,000 |
| Equity capital | 72,937,000 | 74,439,000 | 76,848,000 | 79,541,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 9,775,000 | 19,961,000 | 30,195,000 | 40,107,000 |
| Interest expense | 3,206,000 | 6,356,000 | 9,480,000 | 12,475,000 |
| Net interest income | 6,569,000 | 13,605,000 | 20,715,000 | 27,632,000 |
| Noninterest income | 758,000 | 1,966,000 | 3,224,000 | 4,053,000 |
| Noninterest expense | 4,711,000 | 9,444,000 | 14,216,000 | 18,989,000 |
| Provision for loan losses | 289,000 | 712,000 | 1,579,000 | 1,293,000 |
| Pretax income | 2,312,000 | 5,463,000 | 8,182,000 | 11,452,000 |
| Income tax | 527,000 | 1,227,000 | 1,843,000 | 2,584,000 |
| Net income | 1,785,000 | 4,236,000 | 6,339,000 | 8,868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,063,000 | 75,849,000 | 77,388,000 | 79,374,000 |