Call reports 2007
BANK OF OAK RIDGE — 2007
What BANK OF OAK RIDGE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 38,076,000 | 36,702,000 | 39,222,000 | 41,056,000 |
| Total loans | 3,103,000 | 3,488,000 | 3,383,000 | 2,905,000 |
| Allowance for loan losses | 21,000 | 21,000 | 21,000 | 21,000 |
| Securities available for sale | 32,219,000 | 32,185,000 | 33,685,000 | 34,749,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,794,000 | 32,318,000 | 34,661,000 | 36,367,000 |
| Interest-bearing deposits | 30,672,000 | 29,315,000 | 30,885,000 | 33,186,000 |
| Noninterest-bearing deposits | 3,122,000 | 3,003,000 | 3,776,000 | 3,181,000 |
| Equity capital | 4,116,000 | 4,093,000 | 4,307,000 | 4,358,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 465,000 | 940,000 | 1,425,000 | 1,970,000 |
| Interest expense | 286,000 | 580,000 | 879,000 | 1,181,000 |
| Net interest income | 179,000 | 360,000 | 546,000 | 789,000 |
| Noninterest income | 6,000 | 21,000 | 29,000 | 36,000 |
| Noninterest expense | 117,000 | 218,000 | 323,000 | 483,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 68,000 | 111,000 | 207,000 | 268,000 |
| Income tax | 25,000 | 50,000 | 76,000 | 79,000 |
| Net income | 43,000 | 61,000 | 131,000 | 189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,155,000 | 4,173,000 | 4,243,000 | 4,141,000 |
| Total capital | 4,176,000 | 4,194,000 | 4,264,000 | 4,162,000 |
| Risk-weighted assets | 9,895,000 | 9,981,000 | 10,374,000 | 10,222,000 |