Call reports 2020
OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2020
What OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 503,903,000 | 517,437,000 | 522,133,000 | 526,324,000 |
| Total loans | 354,247,000 | 355,759,000 | 359,911,000 | 347,905,000 |
| Allowance for loan losses | 1,296,000 | 1,346,000 | 1,344,000 | 1,339,000 |
| Securities available for sale | 84,278,000 | 88,055,000 | 90,332,000 | 102,932,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 411,104,000 | 423,295,000 | 428,755,000 | 432,694,000 |
| Interest-bearing deposits | 369,351,000 | 377,097,000 | 382,156,000 | 386,414,000 |
| Noninterest-bearing deposits | 41,753,000 | 46,198,000 | 46,599,000 | 46,280,000 |
| Equity capital | 85,074,000 | 86,487,000 | 85,769,000 | 87,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,718,000 | 9,129,000 | 13,562,000 | 17,789,000 |
| Interest expense | 924,000 | 1,635,000 | 2,211,000 | 2,695,000 |
| Net interest income | 3,794,000 | 7,494,000 | 11,351,000 | 15,094,000 |
| Noninterest income | 339,000 | 652,000 | 1,216,000 | 1,553,000 |
| Noninterest expense | 2,823,000 | 5,569,000 | 8,278,000 | 11,062,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 50,000 |
| Pretax income | 1,293,000 | 2,630,000 | 4,381,000 | 5,756,000 |
| Income tax | 264,000 | 629,000 | 1,039,000 | 1,240,000 |
| Net income | 1,029,000 | 2,001,000 | 3,342,000 | 4,516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,266,000 | 81,366,000 | 80,851,000 | 82,226,000 |
| Total capital | 81,562,000 | 82,712,000 | 82,195,000 | 83,565,000 |
| Risk-weighted assets | 270,851,000 | 274,484,000 | 274,794,000 | 266,128,000 |