Call reports 2023
BANK OF OAK RIDGE — 2023
What BANK OF OAK RIDGE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 86,395,000 | 92,537,000 | 102,316,000 | 102,410,000 |
| Total loans | 71,273,000 | 74,812,000 | 75,599,000 | 75,681,000 |
| Allowance for loan losses | 690,000 | 711,000 | 711,000 | 746,000 |
| Securities available for sale | 4,541,000 | 4,441,000 | 4,388,000 | 4,485,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,924,000 | 74,737,000 | 84,223,000 | 85,852,000 |
| Interest-bearing deposits | 58,303,000 | 60,192,000 | 68,687,000 | 72,963,000 |
| Noninterest-bearing deposits | 13,621,000 | 14,545,000 | 15,536,000 | 12,889,000 |
| Equity capital | 12,323,000 | 12,234,000 | 15,559,000 | 14,254,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,026,000 | 2,169,000 | 3,421,000 | 4,889,000 |
| Interest expense | 239,000 | 652,000 | 1,175,000 | 1,791,000 |
| Net interest income | 787,000 | 1,517,000 | 2,246,000 | 3,098,000 |
| Noninterest income | 18,000 | 38,000 | 3,783,000 | 4,243,000 |
| Noninterest expense | 702,000 | 1,449,000 | 2,572,000 | 3,994,000 |
| Provision for loan losses | 43,000 | 63,000 | 63,000 | 119,000 |
| Pretax income | 60,000 | 43,000 | 3,394,000 | 3,219,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 60,000 | 43,000 | 3,394,000 | 3,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,566,000 | 12,550,000 | 15,901,000 | 14,478,000 |
| Total capital | — | 13,260,000 | 16,611,000 | 15,233,000 |
| Risk-weighted assets | — | 71,409,000 | 71,257,000 | 76,051,000 |