Call reports 2006
OCONEE STATE BANK — 2006
What OCONEE STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 286,565,000 | 291,919,000 | 293,029,000 | 336,798,000 |
| Total loans | 201,511,000 | 213,262,000 | 209,287,000 | 219,817,000 |
| Allowance for loan losses | 3,019,000 | 3,023,000 | 3,069,000 | 3,034,000 |
| Securities available for sale | 50,227,000 | 54,867,000 | 58,742,000 | 92,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,162,000 | 262,064,000 | 260,795,000 | 305,208,000 |
| Interest-bearing deposits | 222,804,000 | 227,695,000 | 224,791,000 | 270,307,000 |
| Noninterest-bearing deposits | 35,358,000 | 34,369,000 | 36,004,000 | 34,901,000 |
| Equity capital | 24,642,000 | 25,354,000 | 26,733,000 | 26,625,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,762,000 | 9,727,000 | 14,990,000 | 20,532,000 |
| Interest expense | 1,781,000 | 3,719,000 | 5,857,000 | 8,333,000 |
| Net interest income | 2,981,000 | 6,008,000 | 9,133,000 | 12,199,000 |
| Noninterest income | 1,052,000 | 1,654,000 | 2,260,000 | 2,855,000 |
| Noninterest expense | 2,289,000 | 4,536,000 | 6,721,000 | 8,987,000 |
| Provision for loan losses | 120,000 | 120,000 | 160,000 | 200,000 |
| Pretax income | 1,624,000 | 3,006,000 | 4,512,000 | 5,856,000 |
| Income tax | 531,000 | 973,000 | 1,455,000 | 1,861,000 |
| Net income | 1,093,000 | 2,033,000 | 3,057,000 | 3,995,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,921,000 | 25,860,000 | 26,885,000 | 26,648,000 |
| Total capital | 27,551,000 | 28,644,000 | 29,661,000 | 29,646,000 |
| Risk-weighted assets | 209,971,000 | 222,474,000 | 221,817,000 | 239,782,000 |
Machine access — free, no API key
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