Call reports 2002
OCONEE STATE BANK — 2002
What OCONEE STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 212,714,000 | 224,683,000 | 235,458,000 | 246,359,000 |
| Total loans | 160,714,000 | 174,694,000 | 186,566,000 | 186,394,000 |
| Allowance for loan losses | 1,909,000 | 2,006,000 | 2,057,000 | 2,099,000 |
| Securities available for sale | 35,018,000 | 33,107,000 | 29,961,000 | 38,899,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,171,000 | 191,080,000 | 200,460,000 | 212,378,000 |
| Interest-bearing deposits | 156,450,000 | 167,103,000 | 174,242,000 | 187,372,000 |
| Noninterest-bearing deposits | 23,721,000 | 23,977,000 | 26,218,000 | 25,006,000 |
| Equity capital | 17,219,000 | 18,227,000 | 19,212,000 | 18,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,632,000 | 7,346,000 | 11,177,000 | 14,934,000 |
| Interest expense | 1,603,000 | 3,131,000 | 4,711,000 | 6,258,000 |
| Net interest income | 2,029,000 | 4,215,000 | 6,466,000 | 8,676,000 |
| Noninterest income | 628,000 | 1,168,000 | 1,769,000 | 2,500,000 |
| Noninterest expense | 1,688,000 | 3,369,000 | 5,079,000 | 6,810,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 555,000 |
| Pretax income | 864,000 | 1,808,000 | 2,845,000 | 3,815,000 |
| Income tax | 262,000 | 547,000 | 872,000 | 1,172,000 |
| Net income | 602,000 | 1,261,000 | 1,973,000 | 2,643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,170,000 | 17,829,000 | 18,541,000 | 18,311,000 |
| Total capital | 19,079,000 | 19,835,000 | 20,598,000 | 20,410,000 |
| Risk-weighted assets | 160,665,000 | 174,381,000 | 180,154,000 | 179,094,000 |
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