Call reports 2012
OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2012
What OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 376,945,000 | 377,946,000 | 378,594,000 | 373,845,000 |
| Total loans | 256,536,000 | 250,689,000 | 244,681,000 | 234,051,000 |
| Allowance for loan losses | 818,000 | 857,000 | 930,000 | 866,000 |
| Securities available for sale | 55,483,000 | 64,268,000 | 69,796,000 | 76,068,000 |
| Securities held to maturity | 7,100,000 | 6,741,000 | 5,893,000 | 5,107,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,937,000 | 297,904,000 | 296,860,000 | 299,117,000 |
| Interest-bearing deposits | 289,877,000 | 289,651,000 | 289,852,000 | 287,510,000 |
| Noninterest-bearing deposits | 9,060,000 | 8,253,000 | 7,008,000 | 11,607,000 |
| Equity capital | 74,190,000 | 75,829,000 | 77,379,000 | 71,237,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,782,000 | 7,531,000 | 11,181,000 | 14,700,000 |
| Interest expense | 766,000 | 1,453,000 | 2,098,000 | 2,683,000 |
| Net interest income | 3,016,000 | 6,078,000 | 9,083,000 | 12,017,000 |
| Noninterest income | -32,000 | 27,000 | 222,000 | 258,000 |
| Noninterest expense | 1,247,000 | 2,427,000 | 3,761,000 | 5,012,000 |
| Provision for loan losses | 82,000 | 128,000 | 269,000 | 205,000 |
| Pretax income | 1,677,000 | 3,668,000 | 5,393,000 | 7,190,000 |
| Income tax | 634,000 | 1,385,000 | 2,035,000 | 2,712,000 |
| Net income | 1,043,000 | 2,283,000 | 3,358,000 | 4,478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,888,000 | 75,230,000 | 76,412,000 | 70,459,000 |
| Total capital | 74,706,000 | 76,087,000 | 77,342,000 | 71,326,000 |
| Risk-weighted assets | 169,919,000 | 168,146,000 | 165,469,000 | 162,331,000 |