Call reports 2011
OCONEE STATE BANK — 2011
What OCONEE STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 274,731,000 | 269,071,000 | 259,713,000 | 259,142,000 |
| Total loans | 159,769,000 | 155,009,000 | 154,534,000 | 145,010,000 |
| Allowance for loan losses | 4,001,000 | 4,490,000 | 5,052,000 | 2,760,000 |
| Securities available for sale | 72,047,000 | 79,471,000 | 73,183,000 | 83,374,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,571,000 | 239,693,000 | 235,058,000 | 236,620,000 |
| Interest-bearing deposits | 208,861,000 | 209,962,000 | 199,780,000 | 202,589,000 |
| Noninterest-bearing deposits | 30,710,000 | 29,731,000 | 35,278,000 | 34,031,000 |
| Equity capital | 22,983,000 | 23,223,000 | 24,202,000 | 22,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,766,000 | 5,484,000 | 8,260,000 | 10,886,000 |
| Interest expense | 654,000 | 1,216,000 | 1,707,000 | 2,167,000 |
| Net interest income | 2,112,000 | 4,268,000 | 6,553,000 | 8,719,000 |
| Noninterest income | 490,000 | 958,000 | 1,516,000 | 1,872,000 |
| Noninterest expense | 2,145,000 | 4,368,000 | 6,383,000 | 8,735,000 |
| Provision for loan losses | 500,000 | 1,800,000 | 2,410,000 | 4,250,000 |
| Pretax income | -20,000 | -839,000 | -550,000 | -2,220,000 |
| Income tax | -8,000 | -335,000 | -154,000 | -100,000 |
| Net income | -12,000 | -504,000 | -396,000 | -2,120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,175,000 | 20,488,000 | 20,778,000 | 19,108,000 |
| Total capital | 25,391,000 | 22,625,000 | 22,868,000 | 21,108,000 |
| Risk-weighted assets | 175,463,000 | 168,608,000 | 164,249,000 | 159,252,000 |
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