Call reports 2009
OCONEE STATE BANK — 2009
What OCONEE STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 312,528,000 | 310,058,000 | 291,229,000 | 285,572,000 |
| Total loans | 192,929,000 | 193,691,000 | 183,600,000 | 179,806,000 |
| Allowance for loan losses | 5,269,000 | 4,653,000 | 4,562,000 | 3,465,000 |
| Securities available for sale | 90,267,000 | 86,032,000 | 69,977,000 | 66,903,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,532,000 | 269,287,000 | 253,515,000 | 250,513,000 |
| Interest-bearing deposits | 240,874,000 | 239,470,000 | 224,730,000 | 220,819,000 |
| Noninterest-bearing deposits | 29,658,000 | 29,817,000 | 28,785,000 | 29,694,000 |
| Equity capital | 24,788,000 | 24,498,000 | 25,555,000 | 24,570,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,365,000 | 6,638,000 | 9,867,000 | 13,121,000 |
| Interest expense | 1,622,000 | 3,150,000 | 4,629,000 | 5,880,000 |
| Net interest income | 1,743,000 | 3,488,000 | 5,238,000 | 7,241,000 |
| Noninterest income | 574,000 | 1,500,000 | 2,268,000 | 2,360,000 |
| Noninterest expense | 2,293,000 | 5,035,000 | 7,304,000 | 9,884,000 |
| Provision for loan losses | 1,100,000 | 1,100,000 | 1,340,000 | 2,140,000 |
| Pretax income | -1,076,000 | -941,000 | -887,000 | -2,172,000 |
| Income tax | -390,000 | -336,000 | -348,000 | -1,033,000 |
| Net income | -686,000 | -605,000 | -539,000 | -1,139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,682,000 | 24,763,000 | 24,829,000 | 24,228,000 |
| Total capital | 27,359,000 | 27,448,000 | 27,383,000 | 26,721,000 |
| Risk-weighted assets | 211,573,000 | 212,833,000 | 202,335,000 | 198,481,000 |
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