Call reports 2014
OCONEE STATE BANK — 2014
What OCONEE STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 276,236,000 | 274,687,000 | 270,424,000 | 282,706,000 |
| Total loans | 125,004,000 | 129,642,000 | 128,921,000 | 131,771,000 |
| Allowance for loan losses | 1,652,000 | 1,653,000 | 1,653,000 | 1,516,000 |
| Securities available for sale | 101,181,000 | 111,872,000 | 112,811,000 | 114,515,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,171,000 | 249,297,000 | 244,404,000 | 255,304,000 |
| Interest-bearing deposits | 213,507,000 | 211,194,000 | 201,105,000 | 211,837,000 |
| Noninterest-bearing deposits | 38,664,000 | 38,103,000 | 43,299,000 | 43,467,000 |
| Equity capital | 23,673,000 | 25,047,000 | 25,549,000 | 26,579,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,272,000 | 4,572,000 | 6,910,000 | 9,260,000 |
| Interest expense | 248,000 | 491,000 | 731,000 | 970,000 |
| Net interest income | 2,024,000 | 4,081,000 | 6,179,000 | 8,290,000 |
| Noninterest income | 578,000 | 880,000 | 1,272,000 | 1,647,000 |
| Noninterest expense | 1,984,000 | 3,767,000 | 5,715,000 | 7,626,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | 657,000 | 1,241,000 | 1,788,000 | 2,185,000 |
| Income tax | 208,000 | 383,000 | 534,000 | 624,000 |
| Net income | 449,000 | 858,000 | 1,254,000 | 1,561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,828,000 | 24,382,000 | 25,096,000 | 25,502,000 |
| Total capital | 25,480,000 | 26,035,000 | 26,749,000 | 27,018,000 |
| Risk-weighted assets | 144,126,000 | 149,327,000 | 150,962,000 | 151,912,000 |
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