Call reports 2013
BANK OF OAK RIDGE — 2013
What BANK OF OAK RIDGE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 54,394,000 | 47,999,000 | 52,488,000 | 51,281,000 |
| Total loans | 3,030,000 | 3,582,000 | 3,256,000 | 3,403,000 |
| Allowance for loan losses | 34,000 | 32,000 | 33,000 | 31,000 |
| Securities available for sale | 39,152,000 | 35,912,000 | 35,920,000 | 37,625,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,228,000 | 43,324,000 | 47,684,000 | 46,568,000 |
| Interest-bearing deposits | 41,839,000 | 37,113,000 | 41,557,000 | 37,949,000 |
| Noninterest-bearing deposits | 7,389,000 | 6,211,000 | 6,127,000 | 8,619,000 |
| Equity capital | 4,990,000 | 4,499,000 | 4,629,000 | 4,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 152,000 | 333,000 | 548,000 | 794,000 |
| Interest expense | 27,000 | 51,000 | 72,000 | 93,000 |
| Net interest income | 125,000 | 282,000 | 476,000 | 701,000 |
| Noninterest income | 6,000 | 11,000 | 19,000 | 23,000 |
| Noninterest expense | 107,000 | 220,000 | 293,000 | 439,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 24,000 | 73,000 | 202,000 | 285,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 24,000 | 73,000 | 202,000 | 285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,734,000 | 4,783,000 | 4,912,000 | 4,917,000 |
| Total capital | 4,768,000 | 4,815,000 | 4,945,000 | 4,948,000 |
| Risk-weighted assets | 12,688,000 | 12,010,000 | 12,642,000 | 12,585,000 |