Call reports 2010
BANK OF OAK RIDGE — 2010
What BANK OF OAK RIDGE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 48,504,000 | 47,064,000 | 47,361,000 | 48,503,000 |
| Total loans | 3,711,000 | 4,980,000 | 3,931,000 | 3,265,000 |
| Allowance for loan losses | 25,000 | 27,000 | 27,000 | 28,000 |
| Securities available for sale | 38,262,000 | 35,865,000 | 35,473,000 | 36,106,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,019,000 | 41,493,000 | 41,710,000 | 42,962,000 |
| Interest-bearing deposits | 38,668,000 | 37,917,000 | 37,603,000 | 37,275,000 |
| Noninterest-bearing deposits | 4,351,000 | 3,576,000 | 4,107,000 | 5,687,000 |
| Equity capital | 5,283,000 | 5,367,000 | 5,450,000 | 5,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 394,000 | 750,000 | 1,065,000 | 1,368,000 |
| Interest expense | 98,000 | 195,000 | 285,000 | 363,000 |
| Net interest income | 296,000 | 555,000 | 780,000 | 1,005,000 |
| Noninterest income | 5,000 | 9,000 | 19,000 | 23,000 |
| Noninterest expense | 173,000 | 312,000 | 461,000 | 659,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 153,000 | 278,000 | 364,000 | 446,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 153,000 | 278,000 | 364,000 | 446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,629,000 | 4,754,000 | 4,840,000 | 4,570,000 |
| Total capital | 4,654,000 | 4,781,000 | 4,867,000 | 4,598,000 |
| Risk-weighted assets | 12,067,000 | 12,721,000 | 12,010,000 | 11,840,000 |