Call reports 2019
OCONEE STATE BANK — 2019
What OCONEE STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 346,145,000 | 349,514,000 | 355,856,000 | 399,522,000 |
| Total loans | 235,324,000 | 239,449,000 | 246,418,000 | 253,165,000 |
| Allowance for loan losses | 2,384,000 | 2,532,000 | 2,685,000 | 2,821,000 |
| Securities available for sale | 83,227,000 | 78,831,000 | 60,289,000 | 99,229,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 314,258,000 | 315,882,000 | 320,764,000 | 361,598,000 |
| Interest-bearing deposits | 245,202,000 | 246,769,000 | 249,762,000 | 297,402,000 |
| Noninterest-bearing deposits | 69,056,000 | 69,113,000 | 71,002,000 | 64,196,000 |
| Equity capital | 31,322,000 | 32,891,000 | 33,659,000 | 35,541,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,420,000 | 7,020,000 | 10,714,000 | 14,472,000 |
| Interest expense | 300,000 | 653,000 | 1,059,000 | 1,534,000 |
| Net interest income | 3,120,000 | 6,367,000 | 9,655,000 | 12,938,000 |
| Noninterest income | 877,000 | 1,975,000 | 2,895,000 | 5,712,000 |
| Noninterest expense | 3,192,000 | 6,532,000 | 9,809,000 | 13,217,000 |
| Provision for loan losses | 143,000 | 285,000 | 427,000 | 570,000 |
| Pretax income | 662,000 | 1,534,000 | 2,321,000 | 4,870,000 |
| Income tax | 114,000 | 289,000 | 443,000 | 1,037,000 |
| Net income | 548,000 | 1,245,000 | 1,878,000 | 3,833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,119,000 | 32,816,000 | 33,450,000 | 35,271,000 |
| Total capital | 34,503,000 | 35,348,000 | 36,135,000 | 38,092,000 |
| Risk-weighted assets | 269,447,000 | 271,841,000 | 276,681,000 | 291,684,000 |