Call reports 2005
OCONEE STATE BANK — 2005
What OCONEE STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 254,899,000 | 264,179,000 | 275,367,000 | 284,913,000 |
| Total loans | 190,055,000 | 193,346,000 | 191,070,000 | 207,706,000 |
| Allowance for loan losses | 2,672,000 | 2,774,000 | 2,912,000 | 2,893,000 |
| Securities available for sale | 41,247,000 | 50,763,000 | 50,354,000 | 51,334,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,721,000 | 237,322,000 | 247,360,000 | 257,862,000 |
| Interest-bearing deposits | 198,486,000 | 205,114,000 | 213,151,000 | 224,041,000 |
| Noninterest-bearing deposits | 31,235,000 | 32,208,000 | 34,209,000 | 33,821,000 |
| Equity capital | 22,556,000 | 23,399,000 | 24,023,000 | 23,661,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,751,000 | 7,614,000 | 11,686,000 | 16,342,000 |
| Interest expense | 1,073,000 | 2,285,000 | 3,630,000 | 5,231,000 |
| Net interest income | 2,678,000 | 5,329,000 | 8,056,000 | 11,111,000 |
| Noninterest income | 509,000 | 1,218,000 | 1,915,000 | 2,506,000 |
| Noninterest expense | 2,145,000 | 4,301,000 | 6,471,000 | 8,560,000 |
| Provision for loan losses | 204,000 | 408,000 | 612,000 | 612,000 |
| Pretax income | 838,000 | 1,844,000 | 2,894,000 | 4,452,000 |
| Income tax | 243,000 | 543,000 | 856,000 | 1,366,000 |
| Net income | 595,000 | 1,301,000 | 2,038,000 | 3,086,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,376,000 | 23,082,000 | 23,819,000 | 23,827,000 |
| Total capital | 24,804,000 | 25,563,000 | 26,310,000 | 26,511,000 |
| Risk-weighted assets | 193,997,000 | 198,148,000 | 198,895,000 | 214,548,000 |
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