Call reports 2004
BANK OF OAK RIDGE — 2004
What BANK OF OAK RIDGE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 37,268,000 | 35,542,000 | 36,208,000 | 36,078,000 |
| Total loans | 2,528,000 | 3,182,000 | 3,485,000 | 2,612,000 |
| Allowance for loan losses | 126,000 | 129,000 | 132,000 | 30,000 |
| Securities available for sale | 32,735,000 | 29,456,000 | 29,980,000 | 31,335,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,736,000 | 31,190,000 | 31,613,000 | 31,655,000 |
| Interest-bearing deposits | 30,231,000 | 29,048,000 | 29,112,000 | 28,996,000 |
| Noninterest-bearing deposits | 2,505,000 | 2,142,000 | 2,501,000 | 2,659,000 |
| Equity capital | 4,162,000 | 3,928,000 | 4,228,000 | 4,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 358,000 | 708,000 | 1,054,000 | 1,416,000 |
| Interest expense | 93,000 | 188,000 | 293,000 | 414,000 |
| Net interest income | 265,000 | 520,000 | 761,000 | 1,002,000 |
| Noninterest income | 5,000 | 11,000 | 17,000 | 22,000 |
| Noninterest expense | 110,000 | 206,000 | 306,000 | 465,000 |
| Provision for loan losses | 0 | 0 | 0 | -100,000 |
| Pretax income | 160,000 | 325,000 | 472,000 | 661,000 |
| Income tax | 28,000 | 100,000 | 153,000 | 213,000 |
| Net income | 132,000 | 225,000 | 319,000 | 448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,762,000 | 3,854,000 | 3,948,000 | 3,897,000 |
| Total capital | 3,883,000 | 3,978,000 | 4,071,000 | 3,927,000 |
| Risk-weighted assets | 9,688,000 | 9,951,000 | 9,839,000 | 9,165,000 |