Call reports 2020
BANK OF OAK RIDGE — 2020
What BANK OF OAK RIDGE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 59,533,000 | 67,903,000 | 62,750,000 | 64,790,000 |
| Total loans | 40,672,000 | 43,835,000 | 46,948,000 | 48,913,000 |
| Allowance for loan losses | 391,000 | 413,000 | 464,000 | 475,000 |
| Securities available for sale | 3,976,000 | 3,351,000 | 3,466,000 | 2,775,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,872,000 | 60,144,000 | 54,859,000 | 56,976,000 |
| Interest-bearing deposits | 41,302,000 | 41,267,000 | 42,371,000 | 43,202,000 |
| Noninterest-bearing deposits | 10,570,000 | 18,878,000 | 12,488,000 | 13,775,000 |
| Equity capital | 6,070,000 | 6,133,000 | 6,208,000 | 6,185,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 566,000 | 1,133,000 | 1,751,000 | 2,375,000 |
| Interest expense | 112,000 | 200,000 | 268,000 | 327,000 |
| Net interest income | 454,000 | 933,000 | 1,483,000 | 2,048,000 |
| Noninterest income | 14,000 | 28,000 | 48,000 | 64,000 |
| Noninterest expense | 425,000 | 864,000 | 1,322,000 | 1,780,000 |
| Provision for loan losses | 12,000 | 34,000 | 87,000 | 98,000 |
| Pretax income | 31,000 | 63,000 | 122,000 | 234,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 31,000 | 63,000 | 122,000 | 234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,028,000 | 6,058,000 | 6,118,000 | 6,100,000 |
| Total capital | 6,419,000 | 6,471,000 | 6,582,000 | 6,575,000 |
| Risk-weighted assets | 40,925,000 | 47,013,000 | 47,018,000 | 51,217,000 |