Call reports 2018
OCONEE STATE BANK — 2018
What OCONEE STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 350,141,000 | 339,256,000 | 331,142,000 | 349,811,000 |
| Total loans | 187,441,000 | 210,558,000 | 219,859,000 | 224,797,000 |
| Allowance for loan losses | 2,019,000 | 2,089,000 | 2,165,000 | 2,249,000 |
| Securities available for sale | 116,702,000 | 101,285,000 | 84,554,000 | 90,802,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,859,000 | 309,632,000 | 301,445,000 | 318,528,000 |
| Interest-bearing deposits | 257,214,000 | 242,469,000 | 230,166,000 | 251,800,000 |
| Noninterest-bearing deposits | 63,645,000 | 67,163,000 | 71,279,000 | 66,728,000 |
| Equity capital | 29,057,000 | 29,245,000 | 29,169,000 | 30,596,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,028,000 | 6,158,000 | 9,325,000 | 12,758,000 |
| Interest expense | 166,000 | 353,000 | 552,000 | 766,000 |
| Net interest income | 2,862,000 | 5,805,000 | 8,773,000 | 11,992,000 |
| Noninterest income | 513,000 | 1,092,000 | 1,687,000 | 2,490,000 |
| Noninterest expense | 3,150,000 | 6,062,000 | 9,075,000 | 12,346,000 |
| Provision for loan losses | 0 | 80,000 | 160,000 | 240,000 |
| Pretax income | 295,000 | 855,000 | 1,298,000 | 1,969,000 |
| Income tax | 13,000 | 87,000 | 148,000 | 214,000 |
| Net income | 282,000 | 768,000 | 1,150,000 | 1,755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,550,000 | 31,036,000 | 31,419,000 | 32,249,000 |
| Total capital | 32,569,000 | 33,125,000 | 33,585,000 | 34,498,000 |
| Risk-weighted assets | 226,078,000 | 251,543,000 | 255,995,000 | 260,040,000 |