Call reports 2015
OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2015
What OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 483,469,000 | 477,601,000 | 468,782,000 | 480,997,000 |
| Total loans | 322,987,000 | 309,386,000 | 304,604,000 | 297,245,000 |
| Allowance for loan losses | 868,000 | 996,000 | 1,011,000 | 1,147,000 |
| Securities available for sale | 97,288,000 | 103,946,000 | 105,105,000 | 116,947,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 403,565,000 | 395,750,000 | 386,125,000 | 404,390,000 |
| Interest-bearing deposits | 382,779,000 | 374,964,000 | 364,343,000 | 374,525,000 |
| Noninterest-bearing deposits | 20,786,000 | 20,786,000 | 21,782,000 | 29,865,000 |
| Equity capital | 76,351,000 | 77,183,000 | 79,374,000 | 73,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,518,000 | 9,114,000 | 13,492,000 | 17,917,000 |
| Interest expense | 323,000 | 633,000 | 934,000 | 1,243,000 |
| Net interest income | 4,195,000 | 8,481,000 | 12,558,000 | 16,674,000 |
| Noninterest income | 368,000 | 981,000 | 1,895,000 | 2,314,000 |
| Noninterest expense | 2,695,000 | 5,195,000 | 7,512,000 | 10,227,000 |
| Provision for loan losses | 7,000 | 174,000 | 331,000 | 608,000 |
| Pretax income | 1,981,000 | 4,213,000 | 6,739,000 | 8,282,000 |
| Income tax | 680,000 | 1,485,000 | 2,477,000 | 2,978,000 |
| Net income | 1,301,000 | 2,728,000 | 4,262,000 | 5,304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,348,000 | 73,990,000 | 75,841,000 | 70,428,000 |
| Total capital | 73,291,000 | 75,058,000 | 76,924,000 | 71,625,000 |
| Risk-weighted assets | 254,489,000 | 232,498,000 | 234,581,000 | 235,107,000 |