Call reports 2024
OCONEE STATE BANK — 2024
What OCONEE STATE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 585,469,000 | 602,155,000 | 621,849,000 | 639,898,000 |
| Total loans | 354,437,000 | 376,036,000 | 385,176,000 | 411,712,000 |
| Allowance for loan losses | 4,687,000 | 4,979,000 | 5,093,000 | 5,424,000 |
| Securities available for sale | 152,801,000 | 151,758,000 | 153,922,000 | 139,228,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 532,671,000 | 537,628,000 | 548,676,000 | 570,444,000 |
| Interest-bearing deposits | 414,198,000 | 417,697,000 | 424,897,000 | 447,375,000 |
| Noninterest-bearing deposits | 118,473,000 | 119,931,000 | 123,779,000 | 123,069,000 |
| Equity capital | 47,542,000 | 49,427,000 | 51,925,000 | 52,773,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 7,673,000 | 15,743,000 | 24,331,000 | 33,032,000 |
| Interest expense | 2,046,000 | 4,257,000 | 6,745,000 | 9,286,000 |
| Net interest income | 5,627,000 | 11,486,000 | 17,586,000 | 23,746,000 |
| Noninterest income | 1,162,000 | 2,543,000 | 3,652,000 | 5,577,000 |
| Noninterest expense | 4,873,000 | 10,140,000 | 15,418,000 | 21,105,000 |
| Provision for loan losses | 89,000 | 381,000 | 500,000 | 906,000 |
| Pretax income | 1,824,000 | 3,476,000 | 5,296,000 | 6,756,000 |
| Income tax | 400,000 | 749,000 | 1,134,000 | 1,327,000 |
| Net income | 1,424,000 | 2,727,000 | 4,162,000 | 5,429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,732,000 | 56,931,000 | 58,410,000 | 59,661,000 |
| Total capital | 60,604,000 | 62,125,000 | 63,710,000 | 65,275,000 |
| Risk-weighted assets | 406,085,000 | 432,740,000 | 438,350,000 | 458,098,000 |