Call reports 2015
BANK OF OAK RIDGE — 2015
What BANK OF OAK RIDGE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 57,162,000 | 50,870,000 | 52,521,000 | 53,896,000 |
| Total loans | 4,011,000 | 4,219,000 | 4,941,000 | 6,706,000 |
| Allowance for loan losses | 33,000 | 33,000 | 33,000 | 34,000 |
| Securities available for sale | 43,299,000 | 35,875,000 | 37,017,000 | 36,299,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,538,000 | 45,327,000 | 46,783,000 | 48,190,000 |
| Interest-bearing deposits | 44,061,000 | 38,820,000 | 39,771,000 | 40,386,000 |
| Noninterest-bearing deposits | 7,477,000 | 6,507,000 | 7,012,000 | 7,804,000 |
| Equity capital | 5,449,000 | 5,357,000 | 5,547,000 | 5,328,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 247,000 | 450,000 | 667,000 | 874,000 |
| Interest expense | 23,000 | 43,000 | 65,000 | 87,000 |
| Net interest income | 224,000 | 407,000 | 602,000 | 787,000 |
| Noninterest income | 4,000 | 10,000 | 17,000 | 26,000 |
| Noninterest expense | 123,000 | 271,000 | 407,000 | 611,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 105,000 | 146,000 | 213,000 | 203,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 105,000 | 146,000 | 213,000 | 203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,265,000 | 5,306,000 | 5,373,000 | 5,302,000 |
| Total capital | 5,298,000 | 5,339,000 | 5,406,000 | 5,336,000 |
| Risk-weighted assets | 13,964,000 | 14,333,000 | 15,779,000 | 19,049,000 |