Call reports 2008
OCONEE STATE BANK — 2008
What OCONEE STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 322,412,000 | 311,855,000 | 308,789,000 | 308,168,000 |
| Total loans | 193,636,000 | 193,785,000 | 198,490,000 | 197,375,000 |
| Allowance for loan losses | 3,325,000 | 3,459,000 | 3,795,000 | 4,178,000 |
| Securities available for sale | 89,724,000 | 81,638,000 | 79,232,000 | 79,762,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 288,072,000 | 278,094,000 | 266,126,000 | 275,227,000 |
| Interest-bearing deposits | 255,655,000 | 246,271,000 | 236,534,000 | 247,646,000 |
| Noninterest-bearing deposits | 32,417,000 | 31,823,000 | 29,592,000 | 27,581,000 |
| Equity capital | 30,145,000 | 29,120,000 | 29,949,000 | 25,621,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,802,000 | 8,912,000 | 12,777,000 | 16,083,000 |
| Interest expense | 2,436,000 | 4,504,000 | 6,304,000 | 8,101,000 |
| Net interest income | 2,366,000 | 4,408,000 | 6,473,000 | 7,982,000 |
| Noninterest income | 719,000 | 1,381,000 | 2,088,000 | 2,750,000 |
| Noninterest expense | 2,436,000 | 4,884,000 | 7,012,000 | 9,606,000 |
| Provision for loan losses | 58,000 | 230,000 | 598,000 | 7,463,000 |
| Pretax income | 591,000 | 872,000 | 1,148,000 | -6,122,000 |
| Income tax | 127,000 | 147,000 | 175,000 | -2,728,000 |
| Net income | 464,000 | 725,000 | 973,000 | -3,394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,375,000 | 29,637,000 | 29,881,000 | 25,368,000 |
| Total capital | 32,128,000 | 32,349,000 | 32,633,000 | 28,095,000 |
| Risk-weighted assets | 219,687,000 | 216,248,000 | 219,148,000 | 216,672,000 |
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