Call reports 2014
OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2014
What OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 359,325,000 | 360,336,000 | 357,164,000 | 488,378,000 |
| Total loans | 226,310,000 | 230,786,000 | 233,768,000 | 330,528,000 |
| Allowance for loan losses | 829,000 | 854,000 | 854,000 | 864,000 |
| Securities available for sale | 93,691,000 | 96,286,000 | 93,541,000 | 98,225,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,214,000 | 285,124,000 | 281,429,000 | 410,875,000 |
| Interest-bearing deposits | 276,600,000 | 273,940,000 | 269,587,000 | 389,319,000 |
| Noninterest-bearing deposits | 6,614,000 | 11,184,000 | 11,842,000 | 21,556,000 |
| Equity capital | 72,977,000 | 70,518,000 | 71,590,000 | 74,163,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,218,000 | 6,466,000 | 9,767,000 | 13,524,000 |
| Interest expense | 362,000 | 700,000 | 1,024,000 | 1,355,000 |
| Net interest income | 2,856,000 | 5,766,000 | 8,743,000 | 12,169,000 |
| Noninterest income | 107,000 | 199,000 | 276,000 | 506,000 |
| Noninterest expense | 1,506,000 | 3,009,000 | 4,353,000 | 6,208,000 |
| Provision for loan losses | 41,000 | 66,000 | 66,000 | 76,000 |
| Pretax income | 1,486,000 | 2,979,000 | 4,694,000 | 6,509,000 |
| Income tax | 535,000 | 1,068,000 | 1,699,000 | 2,355,000 |
| Net income | 951,000 | 1,911,000 | 2,995,000 | 4,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,604,000 | 70,682,000 | 71,908,000 | 70,205,000 |
| Total capital | 74,565,000 | 71,668,000 | 72,816,000 | 71,145,000 |
| Risk-weighted assets | 169,587,000 | 169,376,000 | 170,216,000 | 262,488,000 |