Call reports 2018
BANK OF OAK RIDGE — 2018
What BANK OF OAK RIDGE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 51,549,000 | 47,906,000 | 49,306,000 | 52,271,000 |
| Total loans | 28,783,000 | 31,292,000 | 31,345,000 | 32,734,000 |
| Allowance for loan losses | 289,000 | 313,000 | 319,000 | 327,000 |
| Securities available for sale | 14,596,000 | 12,729,000 | 11,637,000 | 10,598,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,939,000 | 42,137,000 | 43,384,000 | 46,439,000 |
| Interest-bearing deposits | 38,236,000 | 36,048,000 | 36,286,000 | 37,582,000 |
| Noninterest-bearing deposits | 7,704,000 | 6,089,000 | 7,099,000 | 8,857,000 |
| Equity capital | 5,544,000 | 5,616,000 | 5,743,000 | 5,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 450,000 | 905,000 | 1,378,000 | 1,880,000 |
| Interest expense | 42,000 | 92,000 | 161,000 | 239,000 |
| Net interest income | 408,000 | 813,000 | 1,217,000 | 1,641,000 |
| Noninterest income | 12,000 | 27,000 | 43,000 | 57,000 |
| Noninterest expense | 290,000 | 601,000 | 880,000 | 1,206,000 |
| Provision for loan losses | 27,000 | 53,000 | 58,000 | 81,000 |
| Pretax income | 103,000 | 186,000 | 322,000 | 411,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 103,000 | 186,000 | 322,000 | 411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,657,000 | 5,740,000 | 5,876,000 | 5,817,000 |
| Total capital | 5,946,000 | 6,053,000 | 6,195,000 | 6,144,000 |
| Risk-weighted assets | 39,353,000 | 35,905,000 | 33,797,000 | 35,578,000 |