Call reports 2019
BANK OF OAK RIDGE — 2019
What BANK OF OAK RIDGE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 49,419,000 | 50,498,000 | 52,695,000 | 55,081,000 |
| Total loans | 34,131,000 | 35,720,000 | 37,116,000 | 38,610,000 |
| Allowance for loan losses | 341,000 | 357,000 | 371,000 | 379,000 |
| Securities available for sale | 9,929,000 | 9,015,000 | 7,862,000 | 6,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,410,000 | 44,325,000 | 44,900,000 | 47,392,000 |
| Interest-bearing deposits | 34,919,000 | 36,822,000 | 36,321,000 | 37,613,000 |
| Noninterest-bearing deposits | 8,491,000 | 7,503,000 | 8,579,000 | 9,779,000 |
| Equity capital | 5,876,000 | 6,032,000 | 6,090,000 | 6,037,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 508,000 | 1,035,000 | 1,596,000 | 2,161,000 |
| Interest expense | 65,000 | 161,000 | 279,000 | 393,000 |
| Net interest income | 443,000 | 874,000 | 1,317,000 | 1,768,000 |
| Noninterest income | 12,000 | 26,000 | 45,000 | 58,000 |
| Noninterest expense | 340,000 | 690,000 | 1,064,000 | 1,521,000 |
| Provision for loan losses | 14,000 | 32,000 | 46,000 | 56,000 |
| Pretax income | 101,000 | 178,000 | 252,000 | 249,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 101,000 | 178,000 | 252,000 | 249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,876,000 | 5,973,000 | 6,047,000 | 5,996,000 |
| Total capital | 6,217,000 | 6,330,000 | 6,418,000 | 6,375,000 |
| Risk-weighted assets | 35,595,000 | 37,108,000 | 37,668,000 | 40,520,000 |