Call reports 2025
BANK OF OAK RIDGE — 2025
What BANK OF OAK RIDGE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 117,974,000 | 113,848,000 | 125,567,000 | 134,706,000 |
| Total loans | 91,027,000 | 94,518,000 | 99,363,000 | 109,414,000 |
| Allowance for loan losses | 870,000 | 926,000 | 1,011,000 | 1,091,000 |
| Securities available for sale | 2,515,000 | 2,518,000 | 2,531,000 | 2,434,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,767,000 | 98,193,000 | 109,436,000 | 114,273,000 |
| Interest-bearing deposits | 88,242,000 | 84,858,000 | 95,108,000 | 96,552,000 |
| Noninterest-bearing deposits | 14,525,000 | 13,335,000 | 14,328,000 | 17,721,000 |
| Equity capital | 14,772,000 | 15,075,000 | 15,398,000 | 15,384,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,732,000 | 3,496,000 | 5,522,000 | 7,579,000 |
| Interest expense | 690,000 | 1,370,000 | 2,103,000 | 2,805,000 |
| Net interest income | 1,042,000 | 2,126,000 | 3,419,000 | 4,774,000 |
| Noninterest income | 24,000 | 139,000 | 171,000 | 182,000 |
| Noninterest expense | 1,034,000 | 2,044,000 | 2,977,000 | 3,895,000 |
| Provision for loan losses | 22,000 | 78,000 | 163,000 | 243,000 |
| Pretax income | 10,000 | 143,000 | 439,000 | 807,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 10,000 | 143,000 | 439,000 | 807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,874,000 | 15,157,000 | 15,454,000 | 15,430,000 |
| Total capital | 15,753,000 | 16,092,000 | 16,485,000 | 16,541,000 |
| Risk-weighted assets | 88,575,000 | 88,755,000 | 97,904,000 | 109,522,000 |