Call reports 2014
BANK OF OAK RIDGE — 2014
What BANK OF OAK RIDGE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 54,495,000 | 49,073,000 | 51,159,000 | 53,910,000 |
| Total loans | 4,231,000 | 4,608,000 | 4,250,000 | 3,701,000 |
| Allowance for loan losses | 32,000 | 31,000 | 33,000 | 33,000 |
| Securities available for sale | 42,526,000 | 38,481,000 | 35,464,000 | 40,470,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,162,000 | 43,725,000 | 45,702,000 | 48,483,000 |
| Interest-bearing deposits | 40,637,000 | 37,323,000 | 38,297,000 | 40,458,000 |
| Noninterest-bearing deposits | 8,525,000 | 6,402,000 | 7,405,000 | 8,025,000 |
| Equity capital | 5,159,000 | 5,173,000 | 5,283,000 | 5,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 270,000 | 545,000 | 796,000 | 1,032,000 |
| Interest expense | 21,000 | 41,000 | 61,000 | 81,000 |
| Net interest income | 249,000 | 504,000 | 735,000 | 951,000 |
| Noninterest income | 4,000 | 9,000 | 18,000 | 22,000 |
| Noninterest expense | 116,000 | 236,000 | 360,000 | 534,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 137,000 | 279,000 | 397,000 | 443,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 137,000 | 279,000 | 397,000 | 443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,054,000 | 5,196,000 | 5,314,000 | 5,160,000 |
| Total capital | 5,086,000 | 5,227,000 | 5,347,000 | 5,193,000 |
| Risk-weighted assets | 13,512,000 | 12,732,000 | 15,346,000 | 13,895,000 |