Call reports 2017
OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2017
What OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 481,398,000 | 481,926,000 | 475,702,000 | 482,827,000 |
| Total loans | 306,188,000 | 307,803,000 | 312,876,000 | 317,333,000 |
| Allowance for loan losses | 1,067,000 | 1,016,000 | 1,024,000 | 1,032,000 |
| Securities available for sale | 107,852,000 | 112,104,000 | 114,730,000 | 116,700,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 397,702,000 | 400,640,000 | 382,940,000 | 377,747,000 |
| Interest-bearing deposits | 369,917,000 | 368,605,000 | 349,740,000 | 343,864,000 |
| Noninterest-bearing deposits | 27,785,000 | 32,035,000 | 33,200,000 | 33,883,000 |
| Equity capital | 81,380,000 | 79,188,000 | 80,334,000 | 80,215,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 4,260,000 | 8,512,000 | 12,694,000 | 16,954,000 |
| Interest expense | 340,000 | 702,000 | 1,086,000 | 1,510,000 |
| Net interest income | 3,920,000 | 7,810,000 | 11,608,000 | 15,444,000 |
| Noninterest income | 806,000 | 1,080,000 | 1,343,000 | 1,641,000 |
| Noninterest expense | 2,515,000 | 5,251,000 | 7,911,000 | 10,782,000 |
| Provision for loan losses | 105,000 | 116,000 | 162,000 | 171,000 |
| Pretax income | 2,109,000 | 3,526,000 | 4,891,000 | 6,145,000 |
| Income tax | 593,000 | 364,000 | 818,000 | 2,033,000 |
| Net income | 1,516,000 | 3,162,000 | 4,073,000 | 4,112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,733,000 | 76,243,000 | 77,318,000 | 77,833,000 |
| Total capital | 79,882,000 | 77,332,000 | 78,438,000 | 78,948,000 |
| Risk-weighted assets | 239,334,000 | 238,236,000 | 242,153,000 | 248,279,000 |