Call reports 2009
BANK OF OAK RIDGE — 2009
What BANK OF OAK RIDGE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 48,543,000 | 45,189,000 | 45,010,000 | 46,796,000 |
| Total loans | 3,995,000 | 4,535,000 | 4,468,000 | 3,561,000 |
| Allowance for loan losses | 24,000 | 26,000 | 26,000 | 24,000 |
| Securities available for sale | 38,791,000 | 36,647,000 | 35,250,000 | 39,203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,450,000 | 39,777,000 | 39,257,000 | 41,393,000 |
| Interest-bearing deposits | 39,441,000 | 36,387,000 | 35,457,000 | 37,094,000 |
| Noninterest-bearing deposits | 4,009,000 | 3,390,000 | 3,800,000 | 4,299,000 |
| Equity capital | 4,794,000 | 5,086,000 | 5,363,000 | 5,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 455,000 | 890,000 | 1,286,000 | 1,649,000 |
| Interest expense | 155,000 | 275,000 | 380,000 | 476,000 |
| Net interest income | 300,000 | 615,000 | 906,000 | 1,173,000 |
| Noninterest income | 6,000 | 12,000 | 23,000 | 26,000 |
| Noninterest expense | 136,000 | 253,000 | 385,000 | 591,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 170,000 | 408,000 | 578,000 | 647,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 170,000 | 408,000 | 578,000 | 647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,387,000 | 4,625,000 | 4,795,000 | 4,476,000 |
| Total capital | 4,411,000 | 4,651,000 | 4,821,000 | 4,500,000 |
| Risk-weighted assets | 12,440,000 | 12,115,000 | 11,850,000 | 11,537,000 |