Call reports 2018
OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2018
What OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 484,852,000 | 489,625,000 | 498,660,000 | 515,128,000 |
| Total loans | 319,647,000 | 327,758,000 | 342,029,000 | 356,998,000 |
| Allowance for loan losses | 1,052,000 | 1,097,000 | 1,151,000 | 1,227,000 |
| Securities available for sale | 113,107,000 | 109,661,000 | 105,744,000 | 104,761,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 389,743,000 | 397,600,000 | 403,127,000 | 401,665,000 |
| Interest-bearing deposits | 355,951,000 | 356,399,000 | 360,147,000 | 363,811,000 |
| Noninterest-bearing deposits | 33,792,000 | 41,201,000 | 42,980,000 | 37,854,000 |
| Equity capital | 80,194,000 | 75,433,000 | 76,020,000 | 78,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,316,000 | 8,631,000 | 13,066,000 | 17,777,000 |
| Interest expense | 491,000 | 1,043,000 | 1,703,000 | 2,530,000 |
| Net interest income | 3,825,000 | 7,588,000 | 11,363,000 | 15,247,000 |
| Noninterest income | 396,000 | 994,000 | 1,357,000 | 1,724,000 |
| Noninterest expense | 2,908,000 | 5,977,000 | 8,835,000 | 11,720,000 |
| Provision for loan losses | 20,000 | 52,000 | 124,000 | 200,000 |
| Pretax income | 1,293,000 | 2,536,000 | 3,744,000 | 5,034,000 |
| Income tax | -94,000 | 151,000 | 398,000 | 644,000 |
| Net income | 1,387,000 | 2,385,000 | 3,346,000 | 4,390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,368,000 | 74,872,000 | 76,014,000 | 77,325,000 |
| Total capital | 80,461,000 | 76,018,000 | 77,207,000 | 78,582,000 |
| Risk-weighted assets | 250,274,000 | 255,560,000 | 267,405,000 | 285,240,000 |