Call reports 2001
OCONEE STATE BANK — 2001
What OCONEE STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 192,501,000 | 197,886,000 | 200,427,000 | 212,662,000 |
| Total loans | 135,454,000 | 141,111,000 | 146,587,000 | 158,190,000 |
| Allowance for loan losses | 1,625,000 | 1,677,000 | 1,714,000 | 1,812,000 |
| Securities available for sale | 29,982,000 | 33,808,000 | 40,310,000 | 36,195,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,347,000 | 165,741,000 | 167,633,000 | 180,779,000 |
| Interest-bearing deposits | 141,261,000 | 143,839,000 | 147,767,000 | 157,687,000 |
| Noninterest-bearing deposits | 20,086,000 | 21,902,000 | 19,866,000 | 23,092,000 |
| Equity capital | 15,844,000 | 16,347,000 | 17,235,000 | 16,643,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 4,010,000 | 8,012,000 | 11,991,000 | 15,845,000 |
| Interest expense | 1,977,000 | 4,025,000 | 6,018,000 | 7,806,000 |
| Net interest income | 2,033,000 | 3,987,000 | 5,973,000 | 8,039,000 |
| Noninterest income | 503,000 | 1,005,000 | 1,484,000 | 1,991,000 |
| Noninterest expense | 1,554,000 | 3,165,000 | 4,723,000 | 6,269,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 907,000 | 1,677,000 | 2,509,000 | 3,461,000 |
| Income tax | 281,000 | 499,000 | 754,000 | 1,029,000 |
| Net income | 626,000 | 1,178,000 | 1,755,000 | 2,432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,662,000 | 16,214,000 | 16,791,000 | 16,568,000 |
| Total capital | 17,287,000 | 17,891,000 | 18,505,000 | 18,380,000 |
| Risk-weighted assets | 137,725,000 | 154,774,000 | 150,685,000 | 156,481,000 |
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