Call reports 2004
OCONEE STATE BANK — 2004
What OCONEE STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 250,616,000 | 247,069,000 | 242,692,000 | 256,987,000 |
| Total loans | 173,177,000 | 175,057,000 | 184,743,000 | 187,137,000 |
| Allowance for loan losses | 2,715,000 | 2,793,000 | 2,392,000 | 2,475,000 |
| Securities available for sale | 53,368,000 | 50,616,000 | 43,514,000 | 46,732,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,141,000 | 223,402,000 | 214,647,000 | 232,709,000 |
| Interest-bearing deposits | 197,610,000 | 194,725,000 | 186,576,000 | 202,538,000 |
| Noninterest-bearing deposits | 29,531,000 | 28,677,000 | 28,071,000 | 30,171,000 |
| Equity capital | 21,682,000 | 21,155,000 | 22,566,000 | 22,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,430,000 | 6,755,000 | 10,118,000 | 13,685,000 |
| Interest expense | 1,017,000 | 1,849,000 | 2,682,000 | 3,683,000 |
| Net interest income | 2,413,000 | 4,906,000 | 7,436,000 | 10,002,000 |
| Noninterest income | 538,000 | 1,163,000 | 1,737,000 | 2,170,000 |
| Noninterest expense | 2,049,000 | 4,194,000 | 6,275,000 | 8,229,000 |
| Provision for loan losses | 90,000 | 180,000 | 274,000 | 394,000 |
| Pretax income | 836,000 | 1,719,000 | 2,671,000 | 3,596,000 |
| Income tax | 233,000 | 484,000 | 761,000 | 1,034,000 |
| Net income | 603,000 | 1,235,000 | 1,910,000 | 2,562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,722,000 | 21,354,000 | 22,029,000 | 21,781,000 |
| Total capital | 22,972,000 | 23,640,000 | 24,421,000 | 24,256,000 |
| Risk-weighted assets | 179,559,000 | 182,387,000 | 198,028,000 | 201,540,000 |
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