Call reports 2017
OCONEE STATE BANK — 2017
What OCONEE STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 330,825,000 | 330,964,000 | 330,549,000 | 355,028,000 |
| Total loans | 146,522,000 | 145,076,000 | 152,206,000 | 169,154,000 |
| Allowance for loan losses | 2,005,000 | 1,997,000 | 1,997,000 | 2,005,000 |
| Securities available for sale | 126,415,000 | 126,975,000 | 125,074,000 | 120,938,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,321,000 | 299,803,000 | 299,222,000 | 324,150,000 |
| Interest-bearing deposits | 245,806,000 | 243,066,000 | 239,632,000 | 263,832,000 |
| Noninterest-bearing deposits | 55,515,000 | 56,737,000 | 59,590,000 | 60,318,000 |
| Equity capital | 29,223,000 | 30,543,000 | 30,740,000 | 30,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,549,000 | 5,162,000 | 7,811,000 | 10,636,000 |
| Interest expense | 168,000 | 339,000 | 509,000 | 683,000 |
| Net interest income | 2,381,000 | 4,823,000 | 7,302,000 | 9,953,000 |
| Noninterest income | 516,000 | 901,000 | 1,309,000 | 1,736,000 |
| Noninterest expense | 2,182,000 | 4,432,000 | 6,891,000 | 9,481,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 722,000 | 1,299,000 | 1,729,000 | 2,219,000 |
| Income tax | 178,000 | 298,000 | 364,000 | 294,000 |
| Net income | 544,000 | 1,001,000 | 1,365,000 | 1,925,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,387,000 | 30,026,000 | 30,390,000 | 31,034,000 |
| Total capital | 31,393,000 | 32,023,000 | 32,387,000 | 33,039,000 |
| Risk-weighted assets | 183,075,000 | 183,406,000 | 190,737,000 | 199,199,000 |