Call reports 2024
BANK OF OAK RIDGE — 2024
What BANK OF OAK RIDGE reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 101,353,000 | 104,500,000 | 104,321,000 | 110,094,000 |
| Total loans | 76,725,000 | 78,927,000 | 84,768,000 | 88,853,000 |
| Allowance for loan losses | 746,000 | 746,000 | 797,000 | 848,000 |
| Securities available for sale | 4,456,000 | 4,474,000 | 3,555,000 | 3,001,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,981,000 | 87,995,000 | 89,056,000 | 92,365,000 |
| Interest-bearing deposits | 71,609,000 | 75,690,000 | 77,462,000 | 78,181,000 |
| Noninterest-bearing deposits | 13,372,000 | 12,305,000 | 11,594,000 | 14,184,000 |
| Equity capital | 14,305,000 | 14,442,000 | 14,605,000 | 14,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,430,000 | 2,881,000 | 4,442,000 | 6,116,000 |
| Interest expense | 600,000 | 1,233,000 | 1,933,000 | 2,595,000 |
| Net interest income | 830,000 | 1,648,000 | 2,509,000 | 3,521,000 |
| Noninterest income | 22,000 | 45,000 | 55,000 | 177,000 |
| Noninterest expense | 801,000 | 1,542,000 | 2,294,000 | 3,218,000 |
| Provision for loan losses | 0 | 0 | 54,000 | 107,000 |
| Pretax income | 51,000 | 151,000 | 216,000 | 373,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 51,000 | 151,000 | 216,000 | 373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,529,000 | 14,629,000 | 14,695,000 | 14,714,000 |
| Total capital | 15,275,000 | 15,384,000 | 15,501,000 | 15,571,000 |
| Risk-weighted assets | 76,819,000 | 81,935,000 | 81,225,000 | 84,151,000 |