Call reports 2012
BANK OF OAK RIDGE — 2012
What BANK OF OAK RIDGE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 52,438,000 | 48,143,000 | 53,072,000 | 55,760,000 |
| Total loans | 3,571,000 | 3,823,000 | 3,371,000 | 2,679,000 |
| Allowance for loan losses | 32,000 | 32,000 | 32,000 | 34,000 |
| Securities available for sale | 40,812,000 | 38,411,000 | 35,185,000 | 39,684,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,152,000 | 42,916,000 | 47,795,000 | 50,628,000 |
| Interest-bearing deposits | 37,495,000 | 35,093,000 | 37,413,000 | 36,337,000 |
| Noninterest-bearing deposits | 9,657,000 | 7,823,000 | 10,382,000 | 14,291,000 |
| Equity capital | 5,099,000 | 5,040,000 | 5,090,000 | 4,944,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 256,000 | 459,000 | 634,000 | 739,000 |
| Interest expense | 44,000 | 84,000 | 120,000 | 153,000 |
| Net interest income | 212,000 | 375,000 | 514,000 | 586,000 |
| Noninterest income | 5,000 | 15,000 | 21,000 | 25,000 |
| Noninterest expense | 147,000 | 274,000 | 408,000 | 543,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 70,000 | 116,000 | 127,000 | 102,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 70,000 | 116,000 | 127,000 | 102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,725,000 | 4,771,000 | 4,781,000 | 4,710,000 |
| Total capital | 4,757,000 | 4,803,000 | 4,813,000 | 4,744,000 |
| Risk-weighted assets | 12,820,000 | 12,609,000 | 13,265,000 | 12,701,000 |