Call reports 2003
BANK OF OAK RIDGE — 2003
What BANK OF OAK RIDGE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 39,307,000 | 35,500,000 | 35,019,000 | 34,311,000 |
| Total loans | 2,668,000 | 3,219,000 | 3,563,000 | 2,816,000 |
| Allowance for loan losses | 136,000 | 125,000 | 126,000 | 123,000 |
| Securities available for sale | 33,870,000 | 28,570,000 | 26,530,000 | 27,352,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,898,000 | 31,103,000 | 30,656,000 | 30,051,000 |
| Interest-bearing deposits | 32,584,000 | 29,237,000 | 28,221,000 | 27,631,000 |
| Noninterest-bearing deposits | 2,314,000 | 1,866,000 | 2,435,000 | 2,420,000 |
| Equity capital | 4,008,000 | 4,046,000 | 4,046,000 | 3,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 386,000 | 709,000 | 977,000 | 1,271,000 |
| Interest expense | 144,000 | 268,000 | 373,000 | 464,000 |
| Net interest income | 242,000 | 441,000 | 604,000 | 807,000 |
| Noninterest income | 6,000 | 12,000 | 19,000 | 24,000 |
| Noninterest expense | 106,000 | 214,000 | 311,000 | 452,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 142,000 | 239,000 | 312,000 | 379,000 |
| Income tax | 43,000 | 83,000 | 115,000 | 121,000 |
| Net income | 99,000 | 156,000 | 197,000 | 258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,630,000 | 3,687,000 | 3,728,000 | 3,629,000 |
| Total capital | 3,757,000 | 3,811,000 | 3,854,000 | 3,746,000 |
| Risk-weighted assets | 10,163,000 | 9,895,000 | 10,116,000 | 9,326,000 |