Call reports 2003
OCONEE STATE BANK — 2003
What OCONEE STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 263,211,000 | 271,580,000 | 249,583,000 | 251,918,000 |
| Total loans | 182,477,000 | 182,262,000 | 176,711,000 | 174,225,000 |
| Allowance for loan losses | 2,255,000 | 2,411,000 | 2,446,000 | 2,580,000 |
| Securities available for sale | 49,239,000 | 54,243,000 | 41,580,000 | 53,475,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,975,000 | 235,650,000 | 226,822,000 | 229,611,000 |
| Interest-bearing deposits | 201,590,000 | 207,301,000 | 199,665,000 | 201,046,000 |
| Noninterest-bearing deposits | 26,385,000 | 28,349,000 | 27,157,000 | 28,565,000 |
| Equity capital | 19,755,000 | 20,584,000 | 20,763,000 | 20,664,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,646,000 | 7,394,000 | 11,002,000 | 14,481,000 |
| Interest expense | 1,526,000 | 3,041,000 | 4,365,000 | 5,437,000 |
| Net interest income | 2,120,000 | 4,353,000 | 6,637,000 | 9,044,000 |
| Noninterest income | 782,000 | 1,627,000 | 2,442,000 | 3,003,000 |
| Noninterest expense | 1,902,000 | 3,843,000 | 5,730,000 | 7,610,000 |
| Provision for loan losses | 171,000 | 342,000 | 513,000 | 645,000 |
| Pretax income | 829,000 | 1,795,000 | 2,836,000 | 3,792,000 |
| Income tax | 244,000 | 537,000 | 851,000 | 1,084,000 |
| Net income | 585,000 | 1,258,000 | 1,985,000 | 2,708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,895,000 | 19,569,000 | 20,296,000 | 20,119,000 |
| Total capital | 21,150,000 | 21,839,000 | 22,532,000 | 22,357,000 |
| Risk-weighted assets | 182,449,000 | 181,446,000 | 178,695,000 | 177,885,000 |
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