Call reports 2006
BANK OF OAK RIDGE — 2006
What BANK OF OAK RIDGE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 40,349,000 | 36,232,000 | 36,523,000 | 36,438,000 |
| Total loans | 3,058,000 | 3,573,000 | 3,804,000 | 2,867,000 |
| Allowance for loan losses | 36,000 | 25,000 | 25,000 | 20,000 |
| Securities available for sale | 35,674,000 | 31,169,000 | 29,894,000 | 31,855,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,317,000 | 32,349,000 | 32,275,000 | 32,282,000 |
| Interest-bearing deposits | 33,477,000 | 29,932,000 | 29,561,000 | 28,894,000 |
| Noninterest-bearing deposits | 2,840,000 | 2,417,000 | 2,714,000 | 3,388,000 |
| Equity capital | 3,899,000 | 3,795,000 | 4,086,000 | 4,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 455,000 | 913,000 | 1,353,000 | 1,805,000 |
| Interest expense | 240,000 | 499,000 | 763,000 | 1,035,000 |
| Net interest income | 215,000 | 414,000 | 590,000 | 770,000 |
| Noninterest income | 6,000 | 14,000 | 25,000 | 27,000 |
| Noninterest expense | 109,000 | 209,000 | 318,000 | 456,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 112,000 | 213,000 | 288,000 | 332,000 |
| Income tax | 38,000 | 77,000 | 101,000 | 101,000 |
| Net income | 74,000 | 136,000 | 187,000 | 231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,683,000 | 3,413,000 | 4,228,000 | 4,112,000 |
| Total capital | 3,719,000 | 3,438,000 | 4,253,000 | 4,132,000 |
| Risk-weighted assets | 10,310,000 | 10,034,000 | 10,130,000 | 9,413,000 |