Call reports 2008
BANK OF OAK RIDGE — 2008
What BANK OF OAK RIDGE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 45,246,000 | 41,818,000 | 43,060,000 | 44,790,000 |
| Total loans | 3,078,000 | 4,535,000 | 4,555,000 | 3,579,000 |
| Allowance for loan losses | 20,000 | 20,000 | 20,000 | 24,000 |
| Securities available for sale | 39,867,000 | 33,199,000 | 35,503,000 | 37,208,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,130,000 | 36,958,000 | 37,993,000 | 39,734,000 |
| Interest-bearing deposits | 36,283,000 | 33,258,000 | 33,806,000 | 35,803,000 |
| Noninterest-bearing deposits | 3,847,000 | 3,700,000 | 4,187,000 | 3,931,000 |
| Equity capital | 4,660,000 | 4,515,000 | 4,690,000 | 4,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 519,000 | 1,017,000 | 1,490,000 | 1,981,000 |
| Interest expense | 305,000 | 558,000 | 770,000 | 963,000 |
| Net interest income | 214,000 | 459,000 | 720,000 | 1,018,000 |
| Noninterest income | 8,000 | 14,000 | 27,000 | 28,000 |
| Noninterest expense | 117,000 | 221,000 | 345,000 | 532,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 107,000 | 254,000 | 465,000 | 582,000 |
| Income tax | 30,000 | 57,000 | 127,000 | 156,000 |
| Net income | 77,000 | 197,000 | 338,000 | 426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,218,000 | 4,338,000 | 4,479,000 | 4,217,000 |
| Total capital | 4,238,000 | 4,358,000 | 4,499,000 | 4,241,000 |
| Risk-weighted assets | 11,091,000 | 11,573,000 | 11,900,000 | 11,327,000 |