Call reports 2016
BANK OF OAK RIDGE — 2016
What BANK OF OAK RIDGE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 50,654,000 | 46,953,000 | 51,279,000 | 51,142,000 |
| Total loans | 7,415,000 | 12,649,000 | 18,289,000 | 18,161,000 |
| Allowance for loan losses | 31,000 | 127,000 | 183,000 | 194,000 |
| Securities available for sale | 35,549,000 | 27,296,000 | 23,296,000 | 24,598,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,983,000 | 41,221,000 | 45,580,000 | 45,703,000 |
| Interest-bearing deposits | 37,336,000 | 34,032,000 | 37,192,000 | 36,403,000 |
| Noninterest-bearing deposits | 7,647,000 | 7,189,000 | 8,388,000 | 9,300,000 |
| Equity capital | 5,460,000 | 5,687,000 | 5,650,000 | 5,359,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 268,000 | 510,000 | 808,000 | 1,136,000 |
| Interest expense | 19,000 | 38,000 | 63,000 | 87,000 |
| Net interest income | 249,000 | 472,000 | 745,000 | 1,049,000 |
| Noninterest income | 8,000 | 31,000 | 53,000 | 72,000 |
| Noninterest expense | 210,000 | 412,000 | 609,000 | 867,000 |
| Provision for loan losses | 0 | 109,000 | 167,000 | 177,000 |
| Pretax income | 47,000 | 71,000 | 118,000 | 173,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 47,000 | 71,000 | 118,000 | 173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,349,000 | 5,373,000 | 5,419,000 | 5,367,000 |
| Total capital | 5,380,000 | 5,500,000 | 5,602,000 | 5,561,000 |
| Risk-weighted assets | 16,502,000 | 20,319,000 | 27,290,000 | 28,090,000 |