Call reports 2010
OCONEE STATE BANK — 2010
What OCONEE STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 276,196,000 | 281,251,000 | 276,787,000 | 279,302,000 |
| Total loans | 174,516,000 | 174,197,000 | 168,264,000 | 163,293,000 |
| Allowance for loan losses | 3,656,000 | 3,528,000 | 3,570,000 | 3,528,000 |
| Securities available for sale | 63,941,000 | 74,390,000 | 67,373,000 | 73,998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,180,000 | 243,187,000 | 238,338,000 | 242,933,000 |
| Interest-bearing deposits | 211,277,000 | 213,306,000 | 209,147,000 | 215,121,000 |
| Noninterest-bearing deposits | 28,903,000 | 29,881,000 | 29,191,000 | 27,812,000 |
| Equity capital | 25,099,000 | 25,227,000 | 24,398,000 | 22,853,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,139,000 | 6,352,000 | 9,334,000 | 12,181,000 |
| Interest expense | 1,045,000 | 1,956,000 | 2,840,000 | 3,644,000 |
| Net interest income | 2,094,000 | 4,396,000 | 6,494,000 | 8,537,000 |
| Noninterest income | 736,000 | 1,323,000 | 1,211,000 | 1,208,000 |
| Noninterest expense | 2,275,000 | 4,513,000 | 6,685,000 | 8,848,000 |
| Provision for loan losses | 200,000 | 1,420,000 | 2,770,000 | 3,370,000 |
| Pretax income | 355,000 | 36,000 | -1,500,000 | -1,973,000 |
| Income tax | 78,000 | -111,000 | -704,000 | -932,000 |
| Net income | 277,000 | 147,000 | -796,000 | -1,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,505,000 | 24,376,000 | 23,433,000 | 23,187,000 |
| Total capital | 26,937,000 | 26,756,000 | 25,722,000 | 25,443,000 |
| Risk-weighted assets | 193,330,000 | 189,233,000 | 181,817,000 | 179,191,000 |
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