Call reports 2019
OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2019
What OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 512,338,000 | 528,998,000 | 523,992,000 | 504,568,000 |
| Total loans | 360,410,000 | 360,088,000 | 360,883,000 | 360,243,000 |
| Allowance for loan losses | 1,313,000 | 1,297,000 | 1,297,000 | 1,296,000 |
| Securities available for sale | 97,807,000 | 92,724,000 | 87,823,000 | 83,011,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 409,558,000 | 424,013,000 | 422,532,000 | 416,047,000 |
| Interest-bearing deposits | 372,079,000 | 382,874,000 | 381,625,000 | 378,823,000 |
| Noninterest-bearing deposits | 37,479,000 | 41,139,000 | 40,907,000 | 37,224,000 |
| Equity capital | 80,863,000 | 82,899,000 | 84,389,000 | 85,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,787,000 | 9,725,000 | 14,506,000 | 19,267,000 |
| Interest expense | 1,025,000 | 2,145,000 | 3,342,000 | 4,436,000 |
| Net interest income | 3,762,000 | 7,580,000 | 11,164,000 | 14,831,000 |
| Noninterest income | 358,000 | 664,000 | 1,017,000 | 1,416,000 |
| Noninterest expense | 2,867,000 | 5,713,000 | 8,422,000 | 11,175,000 |
| Provision for loan losses | 86,000 | 70,000 | 70,000 | 70,000 |
| Pretax income | 1,249,000 | 2,545,000 | 3,866,000 | 5,131,000 |
| Income tax | 222,000 | 466,000 | 780,000 | 832,000 |
| Net income | 1,027,000 | 2,079,000 | 3,086,000 | 4,299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,577,000 | 79,527,000 | 80,672,000 | 82,102,000 |
| Total capital | 79,890,000 | 80,824,000 | 81,969,000 | 83,398,000 |
| Risk-weighted assets | 276,878,000 | 278,455,000 | 275,838,000 | 274,102,000 |