Call reports 2023
OCONEE STATE BANK — 2023
What OCONEE STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 524,949,000 | 525,761,000 | 579,280,000 | 588,936,000 |
| Total loans | 304,895,000 | 305,579,000 | 339,189,000 | 347,505,000 |
| Allowance for loan losses | 4,333,000 | 4,285,000 | 4,477,000 | 4,600,000 |
| Securities available for sale | 162,672,000 | 160,056,000 | 155,731,000 | 159,634,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 468,388,000 | 469,313,000 | 509,927,000 | 537,362,000 |
| Interest-bearing deposits | 344,749,000 | 343,473,000 | 382,776,000 | 409,228,000 |
| Noninterest-bearing deposits | 123,639,000 | 125,840,000 | 127,151,000 | 128,134,000 |
| Equity capital | 38,676,000 | 40,189,000 | 43,393,000 | 46,329,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,553,000 | 11,606,000 | 18,467,000 | 26,469,000 |
| Interest expense | 558,000 | 1,513,000 | 3,060,000 | 5,206,000 |
| Net interest income | 4,995,000 | 10,093,000 | 15,407,000 | 21,263,000 |
| Noninterest income | 1,170,000 | 2,027,000 | 5,167,000 | 6,072,000 |
| Noninterest expense | 4,479,000 | 8,893,000 | 13,841,000 | 19,173,000 |
| Provision for loan losses | 0 | 0 | 138,000 | 259,000 |
| Pretax income | 1,686,000 | 3,201,000 | 6,633,000 | 7,939,000 |
| Income tax | 423,000 | 778,000 | 1,146,000 | 1,479,000 |
| Net income | 1,263,000 | 2,423,000 | 5,487,000 | 6,460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,608,000 | 50,918,000 | 54,377,000 | 55,386,000 |
| Total capital | 54,157,000 | 55,446,000 | 59,034,000 | 60,169,000 |
| Risk-weighted assets | 368,821,000 | 372,714,000 | 397,789,000 | 402,868,000 |