Bank of Oak Ridge in Oak Ridge, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Oak Ridge - Overview

  • General
  • FDIC Certificate #: 21529
    Status: Active
    Federal Reserve ID: 687054
    Bank Holding Company (Regulatory Top Holder): Oak Ridge Bancshares, Inc. (RSSDID: 1109900, Location: Oak Ridge, LA)
    Date Established: October 01, 1910
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 14890
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: April 11, 1974
    Last Structure Change Effective Date: November 01, 2007
    Last Structure Change Process Date: November 02, 2007
    Last Data Update: November 02, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 105 N. Oak, Oak Ridge, LA 71264
    County: Morehouse
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Shreveport
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Combined Statistical Area (CSA): Monroe-Bastrop, LA (#384)
    Core Based Statistical Area (CBSA): Bastrop, LA (#12820)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $51.0 mil
    Equity capital: $5.0 mil
    Deposits held in domestic offices: $45.9 mil
    Return on assets (ROA): 0.66% ($0.3 mil)
    Quarterly return on assets: 0.15% ($0.1 mil)
    Return on Equity (ROE): 6.33% ($0.3 mil)
    Quarterly return on equity: 1.48% ($0.1 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.66% ($336.9 mil)
    Quarterly Pretax return on assets: 0.15% ($76.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 3Total employees (full-time equivalent)
  • $51,042Total assets
  • $3,518Cash and due from depository institutions
  • $0Interest-bearing balances
  • $43,487Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $3,607Net loans & leases
  • $31Loan loss allowance
  • $0Trading account assets
  • $64Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $51,042Life insurance assets
  • $366All other assets
  • $46,071Total liabilities and capital
  • $45,880Total liabilities
  • $34,838Total deposits
  • $45,880Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $191Subordinated debt
  • $4,971All other liabilities
  • $4,971Total equity capital
  • $4,971Total bank equity capital
  • $0Perpetual preferred stock
  • $40Common stock
  • $2,960Surplus
  • $1,971Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6Income earned, not collected on loans
  • $0Earning assets
  • $277Long-term assets (5+ years)
  • $47,094Average Assets, year-to-date
  • $12,556Average Assets, quarterly
  • $49,689Volatile liabilities
  • $51,081Insider loans
  • $12,431FHLB advances
  • $51,650Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,655Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $110Restructured Loans and leases
  • $339Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,126Total interest income
  • $213Total interest expense
  • $913Net interest income
  • $0Provision for loan and lease losses
  • $24Total noninterest income
  • $0Fiduciary activities
  • $12Service charges on deposit accounts
  • $0Trading account gains & fees
  • $12Additional noninterest income
  • $612Total noninterest expense
  • $291Salaries and employee benefits
  • $45Premises and equipment expense
  • $276Additional noninterest expense
  • $325Pre-tax net operating income
  • $3Securities gains (losses)
  • $0Applicable income taxes
  • $328Income before extraordinary items
  • $0Extraordinary gains - net
  • $328Net income attributable to bank
  • $0Net charge-offs
  • $328Cash dividends
  • -$3Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 2.64%Yield on earning assets
  • 0.50%Cost of funding earning assets
  • 2.14%Net interest margin
  • 0.06%Noninterest income to earning assets
  • 1.43%Noninterest expense to earning assets
  • 0.65%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 0.66%Pretax return on assets
  • 6.33%Return on equity (ROE)
  • 6.33%Retained earnings to average equity (YTD only)
  • -0.09%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 65,315Assets per employee
  • 17.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.85%Loss allowance to noncurrent loans
  • 516.67%Noncurrent assets plus other real estate owned to assets
  • 0.01%Noncurrent loans to loans
  • 0.16%Net loans and leases to deposits
  • 7.86%Net loans and leases to core deposits
  • 8.98%Equity capital to assets
  • 9.74%Core capital (leverage) ratio
  • 9.01%Tier 1 risk-based capital ratio
  • 37.45%Total risk-based capital ratio
  • Memoranda
  • $38Average assets
  • $49,689Average earning assets
  • $5,183Average equity
  • $42,668Average loans

List of branches

  • 1 Louisiana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014890Bank Of Oak Ridge105 N. Oak, Oak Ridge, LA 71264October 01, 1910Full Service Brick and Mortar

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