Call reports 2002
BANK OF OAK RIDGE — 2002
What BANK OF OAK RIDGE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 35,594,000 | 36,102,000 | 36,625,000 | 37,492,000 |
| Total loans | 2,820,000 | 3,207,000 | 3,347,000 | 2,483,000 |
| Allowance for loan losses | 113,000 | 125,000 | 130,000 | 133,000 |
| Securities available for sale | 29,350,000 | 29,680,000 | 28,833,000 | 30,932,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,540,000 | 31,646,000 | 32,038,000 | 33,061,000 |
| Interest-bearing deposits | 29,438,000 | 29,846,000 | 29,656,000 | 30,415,000 |
| Noninterest-bearing deposits | 2,102,000 | 1,800,000 | 2,382,000 | 2,646,000 |
| Equity capital | 3,719,000 | 4,019,000 | 4,171,000 | 4,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 427,000 | 855,000 | 1,278,000 | 1,659,000 |
| Interest expense | 202,000 | 381,000 | 556,000 | 722,000 |
| Net interest income | 225,000 | 474,000 | 722,000 | 937,000 |
| Noninterest income | 6,000 | 11,000 | 19,000 | 24,000 |
| Noninterest expense | 108,000 | 204,000 | 304,000 | 447,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 123,000 | 281,000 | 437,000 | 514,000 |
| Income tax | 30,000 | 85,000 | 116,000 | 161,000 |
| Net income | 93,000 | 196,000 | 321,000 | 353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,448,000 | 3,540,000 | 3,675,000 | 3,531,000 |
| Total capital | 3,557,000 | 3,654,000 | 3,793,000 | 3,643,000 |
| Risk-weighted assets | 8,742,000 | 9,080,000 | 9,433,000 | 8,973,000 |