Call reports 2016
OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2016
What OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 482,793,000 | 486,262,000 | 485,570,000 | 482,547,000 |
| Total loans | 291,924,000 | 292,191,000 | 295,812,000 | 301,537,000 |
| Allowance for loan losses | 1,157,000 | 922,000 | 972,000 | 996,000 |
| Securities available for sale | 121,919,000 | 124,614,000 | 124,901,000 | 112,930,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 404,366,000 | 405,449,000 | 402,786,000 | 400,448,000 |
| Interest-bearing deposits | 377,523,000 | 376,278,000 | 373,081,000 | 370,355,000 |
| Noninterest-bearing deposits | 26,843,000 | 29,171,000 | 29,705,000 | 30,093,000 |
| Equity capital | 76,261,000 | 78,723,000 | 79,895,000 | 79,390,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,615,000 | 8,952,000 | 13,350,000 | 17,594,000 |
| Interest expense | 302,000 | 627,000 | 957,000 | 1,296,000 |
| Net interest income | 4,313,000 | 8,325,000 | 12,393,000 | 16,298,000 |
| Noninterest income | 223,000 | 796,000 | 1,251,000 | 1,894,000 |
| Noninterest expense | 2,643,000 | 5,163,000 | 7,641,000 | 10,113,000 |
| Provision for loan losses | 11,000 | 29,000 | 93,000 | 117,000 |
| Pretax income | 1,976,000 | 4,048,000 | 6,097,000 | 8,206,000 |
| Income tax | 435,000 | 931,000 | 1,601,000 | 2,277,000 |
| Net income | 1,541,000 | 3,117,000 | 4,496,000 | 5,929,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,981,000 | 73,741,000 | 75,313,000 | 77,130,000 |
| Total capital | 73,178,000 | 74,722,000 | 76,344,000 | 78,254,000 |
| Risk-weighted assets | 236,893,000 | 241,051,000 | 243,284,000 | 236,791,000 |