Call reports 2013
OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2013
What OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 373,684,000 | 369,908,000 | 365,562,000 | 360,469,000 |
| Total loans | 227,686,000 | 221,913,000 | 222,690,000 | 225,075,000 |
| Allowance for loan losses | 748,000 | 750,000 | 832,000 | 788,000 |
| Securities available for sale | 84,066,000 | 87,687,000 | 90,595,000 | 90,091,000 |
| Securities held to maturity | 4,404,000 | 4,055,000 | 3,497,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,785,000 | 293,978,000 | 290,883,000 | 285,967,000 |
| Interest-bearing deposits | 286,443,000 | 287,561,000 | 283,987,000 | 279,266,000 |
| Noninterest-bearing deposits | 11,342,000 | 6,417,000 | 6,896,000 | 6,701,000 |
| Equity capital | 72,253,000 | 72,111,000 | 70,523,000 | 71,400,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,440,000 | 6,794,000 | 10,028,000 | 13,286,000 |
| Interest expense | 532,000 | 1,016,000 | 1,463,000 | 1,864,000 |
| Net interest income | 2,908,000 | 5,778,000 | 8,565,000 | 11,422,000 |
| Noninterest income | 87,000 | 155,000 | 236,000 | 333,000 |
| Noninterest expense | 1,327,000 | 2,674,000 | 3,980,000 | 5,428,000 |
| Provision for loan losses | 180,000 | 184,000 | 266,000 | 226,000 |
| Pretax income | 1,488,000 | 3,156,000 | 4,636,000 | 6,326,000 |
| Income tax | 559,000 | 1,168,000 | 1,698,000 | 2,304,000 |
| Net income | 929,000 | 1,988,000 | 2,938,000 | 4,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,506,000 | 72,686,000 | 71,102,000 | 72,512,000 |
| Total capital | 72,261,000 | 73,452,000 | 71,948,000 | 73,337,000 |
| Risk-weighted assets | 160,887,000 | 165,838,000 | 168,590,000 | 168,255,000 |