Call reports 2005
BANK OF OAK RIDGE — 2005
What BANK OF OAK RIDGE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 37,806,000 | 36,010,000 | 35,939,000 | 38,781,000 |
| Total loans | 2,794,000 | 3,051,000 | 3,574,000 | 3,257,000 |
| Allowance for loan losses | 31,000 | 33,000 | 35,000 | 36,000 |
| Securities available for sale | 33,202,000 | 31,077,000 | 31,009,000 | 33,528,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,611,000 | 31,614,000 | 31,572,000 | 34,777,000 |
| Interest-bearing deposits | 31,139,000 | 29,082,000 | 28,968,000 | 31,133,000 |
| Noninterest-bearing deposits | 2,472,000 | 2,532,000 | 2,604,000 | 3,644,000 |
| Equity capital | 3,972,000 | 4,156,000 | 4,151,000 | 3,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 385,000 | 765,000 | 1,148,000 | 1,585,000 |
| Interest expense | 143,000 | 310,000 | 492,000 | 699,000 |
| Net interest income | 242,000 | 455,000 | 656,000 | 886,000 |
| Noninterest income | 6,000 | 12,000 | 21,000 | 27,000 |
| Noninterest expense | 101,000 | 205,000 | 301,000 | 452,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 147,000 | 262,000 | 381,000 | 466,000 |
| Income tax | 49,000 | 89,000 | 133,000 | 154,000 |
| Net income | 98,000 | 173,000 | 248,000 | 312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,995,000 | 4,071,000 | 4,145,000 | 3,747,000 |
| Total capital | 4,026,000 | 4,104,000 | 4,180,000 | 3,783,000 |
| Risk-weighted assets | 9,706,000 | 9,547,000 | 10,013,000 | 10,373,000 |