Call reports 2022
BANK OF OAK RIDGE — 2022
What BANK OF OAK RIDGE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 82,477,000 | 76,185,000 | 77,325,000 | 82,934,000 |
| Total loans | 54,919,000 | 55,394,000 | 62,059,000 | 66,461,000 |
| Allowance for loan losses | 549,000 | 549,000 | 607,000 | 647,000 |
| Securities available for sale | 4,088,000 | 3,946,000 | 3,655,000 | 4,504,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,396,000 | 62,240,000 | 63,365,000 | 68,637,000 |
| Interest-bearing deposits | 50,688,000 | 43,960,000 | 45,375,000 | 50,477,000 |
| Noninterest-bearing deposits | 17,707,000 | 18,280,000 | 17,989,000 | 18,160,000 |
| Equity capital | 12,352,000 | 12,279,000 | 12,229,000 | 12,190,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 657,000 | 1,353,000 | 2,181,000 | 3,099,000 |
| Interest expense | 32,000 | 64,000 | 100,000 | 176,000 |
| Net interest income | 625,000 | 1,289,000 | 2,081,000 | 2,923,000 |
| Noninterest income | 15,000 | 31,000 | 52,000 | 69,000 |
| Noninterest expense | 570,000 | 1,232,000 | 1,918,000 | 2,678,000 |
| Provision for loan losses | 29,000 | 29,000 | 87,000 | 127,000 |
| Pretax income | 41,000 | 59,000 | 128,000 | 187,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 41,000 | 59,000 | 128,000 | 187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,481,000 | 12,499,000 | 12,566,000 | 12,506,000 |
| Total capital | 13,030,000 | 13,048,000 | 13,173,000 | 13,153,000 |
| Risk-weighted assets | 50,559,000 | 55,643,000 | 59,623,000 | 66,091,000 |