Call reports 2021
OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2021
What OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 536,015,000 | 545,675,000 | 545,016,000 | 538,242,000 |
| Total loans | 339,890,000 | 339,253,000 | 337,891,000 | 339,008,000 |
| Allowance for loan losses | 1,339,000 | 1,339,000 | 1,339,000 | 1,339,000 |
| Securities available for sale | 122,521,000 | 136,700,000 | 149,171,000 | 153,591,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 446,568,000 | 444,834,000 | 454,038,000 | 446,913,000 |
| Interest-bearing deposits | 395,225,000 | 386,680,000 | 392,512,000 | 391,273,000 |
| Noninterest-bearing deposits | 51,343,000 | 58,154,000 | 61,526,000 | 55,640,000 |
| Equity capital | 82,746,000 | 84,271,000 | 84,397,000 | 85,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,016,000 | 8,007,000 | 11,905,000 | 16,171,000 |
| Interest expense | 420,000 | 778,000 | 1,109,000 | 1,400,000 |
| Net interest income | 3,596,000 | 7,229,000 | 10,796,000 | 14,771,000 |
| Noninterest income | 453,000 | 814,000 | 1,262,000 | 1,676,000 |
| Noninterest expense | 2,806,000 | 5,662,000 | 8,597,000 | 11,536,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,223,000 | 2,424,000 | 3,454,000 | 4,904,000 |
| Income tax | 276,000 | 541,000 | 767,000 | 928,000 |
| Net income | 947,000 | 1,883,000 | 2,687,000 | 3,976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,483,000 | 80,547,000 | 81,488,000 | 82,987,000 |
| Total capital | 80,822,000 | 81,886,000 | 82,827,000 | 84,326,000 |
| Risk-weighted assets | 267,252,000 | 268,016,000 | 267,240,000 | 268,361,000 |