Call reports 2021
OCONEE STATE BANK — 2021
What OCONEE STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 515,938,000 | 529,133,000 | 532,102,000 | 570,960,000 |
| Total loans | 340,376,000 | 310,638,000 | 303,991,000 | 303,736,000 |
| Allowance for loan losses | 4,304,000 | 4,314,000 | 4,317,000 | 4,542,000 |
| Securities available for sale | 98,490,000 | 126,596,000 | 137,637,000 | 162,165,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 470,660,000 | 482,292,000 | 484,406,000 | 522,744,000 |
| Interest-bearing deposits | 359,694,000 | 371,759,000 | 370,883,000 | 412,205,000 |
| Noninterest-bearing deposits | 110,966,000 | 110,533,000 | 113,523,000 | 110,539,000 |
| Equity capital | 43,615,000 | 45,188,000 | 45,726,000 | 45,895,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,234,000 | 8,654,000 | 12,804,000 | 17,291,000 |
| Interest expense | 286,000 | 547,000 | 783,000 | 1,001,000 |
| Net interest income | 3,948,000 | 8,107,000 | 12,021,000 | 16,290,000 |
| Noninterest income | 1,214,000 | 2,383,000 | 3,296,000 | 4,208,000 |
| Noninterest expense | 3,903,000 | 8,000,000 | 11,848,000 | 15,783,000 |
| Provision for loan losses | 235,000 | 235,000 | 235,000 | 456,000 |
| Pretax income | 1,220,000 | 2,427,000 | 3,406,000 | 4,431,000 |
| Income tax | 257,000 | 509,000 | 697,000 | 879,000 |
| Net income | 963,000 | 1,918,000 | 2,709,000 | 3,552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,991,000 | 43,942,000 | 44,735,000 | 45,579,000 |
| Total capital | 47,064,000 | 47,983,000 | 48,913,000 | 50,004,000 |
| Risk-weighted assets | 325,574,000 | 322,999,000 | 334,078,000 | 353,885,000 |