Call reports 2020
OCONEE STATE BANK — 2020
What OCONEE STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 391,116,000 | 469,128,000 | 469,354,000 | 494,423,000 |
| Total loans | 274,701,000 | 329,031,000 | 340,024,000 | 330,034,000 |
| Allowance for loan losses | 3,314,000 | 3,534,000 | 4,029,000 | 4,057,000 |
| Securities available for sale | 69,024,000 | 56,575,000 | 56,633,000 | 75,549,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 352,564,000 | 400,379,000 | 396,060,000 | 448,287,000 |
| Interest-bearing deposits | 283,947,000 | 295,946,000 | 186,270,000 | 349,827,000 |
| Noninterest-bearing deposits | 68,617,000 | 104,433,000 | 209,790,000 | 98,460,000 |
| Equity capital | 35,873,000 | 36,619,000 | 42,263,000 | 44,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,792,000 | 7,898,000 | 12,001,000 | 16,062,000 |
| Interest expense | 597,000 | 991,000 | 1,354,000 | 1,666,000 |
| Net interest income | 3,195,000 | 6,907,000 | 10,647,000 | 14,396,000 |
| Noninterest income | 887,000 | 2,036,000 | 3,503,000 | 4,754,000 |
| Noninterest expense | 3,728,000 | 7,428,000 | 11,451,000 | 15,502,000 |
| Provision for loan losses | 188,000 | 375,000 | 863,000 | 1,250,000 |
| Pretax income | 166,000 | 1,304,000 | 2,019,000 | 2,581,000 |
| Income tax | 13,000 | 254,000 | 368,000 | 436,000 |
| Net income | 153,000 | 1,050,000 | 1,651,000 | 2,145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,735,000 | 35,632,000 | 41,083,000 | 42,608,000 |
| Total capital | 38,049,000 | 39,166,000 | 45,019,000 | 46,547,000 |
| Risk-weighted assets | 300,598,000 | 305,567,000 | 314,880,000 | 315,108,000 |
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