Call reports 2021
BANK OF OAK RIDGE — 2021
What BANK OF OAK RIDGE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 66,393,000 | 65,322,000 | 74,353,000 | 80,436,000 |
| Total loans | 52,531,000 | 53,155,000 | 51,121,000 | 51,960,000 |
| Allowance for loan losses | 514,000 | 517,000 | 517,000 | 521,000 |
| Securities available for sale | 2,573,000 | 3,068,000 | 2,946,000 | 4,338,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,527,000 | 57,282,000 | 66,105,000 | 66,311,000 |
| Interest-bearing deposits | 45,432,000 | 45,892,000 | 44,560,000 | 46,849,000 |
| Noninterest-bearing deposits | 13,095,000 | 11,389,000 | 21,545,000 | 19,462,000 |
| Equity capital | 6,303,000 | 6,440,000 | 6,573,000 | 12,462,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 681,000 | 1,347,000 | 1,986,000 | 2,593,000 |
| Interest expense | 40,000 | 77,000 | 109,000 | 143,000 |
| Net interest income | 641,000 | 1,270,000 | 1,877,000 | 2,450,000 |
| Noninterest income | 13,000 | 29,000 | 49,000 | 65,000 |
| Noninterest expense | 484,000 | 968,000 | 1,461,000 | 1,951,000 |
| Provision for loan losses | 39,000 | 48,000 | 48,000 | 51,000 |
| Pretax income | 131,000 | 283,000 | 417,000 | 513,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 131,000 | 283,000 | 417,000 | 513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,231,000 | 6,384,000 | 6,518,000 | 12,439,000 |
| Total capital | 6,745,000 | 6,901,000 | 7,035,000 | 12,960,000 |
| Risk-weighted assets | 50,102,000 | 52,800,000 | 52,314,000 | 53,409,000 |