Call reports 2015
OCONEE STATE BANK — 2015
What OCONEE STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 290,286,000 | 294,569,000 | 290,393,000 | 298,588,000 |
| Total loans | 141,552,000 | 144,371,000 | 137,623,000 | 140,512,000 |
| Allowance for loan losses | 1,636,000 | 1,691,000 | 1,769,000 | 1,825,000 |
| Securities available for sale | 114,816,000 | 119,358,000 | 114,810,000 | 121,290,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,121,000 | 267,452,000 | 261,705,000 | 269,705,000 |
| Interest-bearing deposits | 214,730,000 | 220,599,000 | 211,617,000 | 218,432,000 |
| Noninterest-bearing deposits | 47,391,000 | 46,853,000 | 50,088,000 | 51,273,000 |
| Equity capital | 27,157,000 | 26,659,000 | 27,778,000 | 28,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,349,000 | 4,787,000 | 7,270,000 | 9,726,000 |
| Interest expense | 218,000 | 419,000 | 612,000 | 791,000 |
| Net interest income | 2,131,000 | 4,368,000 | 6,658,000 | 8,935,000 |
| Noninterest income | 441,000 | 935,000 | 1,420,000 | 1,858,000 |
| Noninterest expense | 1,942,000 | 3,998,000 | 6,103,000 | 8,034,000 |
| Provision for loan losses | 0 | 113,000 | 169,000 | 225,000 |
| Pretax income | 709,000 | 1,271,000 | 1,885,000 | 2,613,000 |
| Income tax | 217,000 | 345,000 | 504,000 | 662,000 |
| Net income | 492,000 | 926,000 | 1,381,000 | 1,951,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,658,000 | 25,092,000 | 25,547,000 | 26,753,000 |
| Total capital | 26,294,000 | 26,783,000 | 27,316,000 | 28,578,000 |
| Risk-weighted assets | 164,652,000 | 169,552,000 | 161,503,000 | 163,574,000 |