Call reports 2022
OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2022
What OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 541,149,000 | 546,826,000 | 551,078,000 | 566,560,000 |
| Total loans | 336,122,000 | 345,264,000 | 361,478,000 | 378,994,000 |
| Allowance for loan losses | 1,339,000 | 1,339,000 | 1,389,000 | 1,439,000 |
| Securities available for sale | 154,620,000 | 150,018,000 | 138,975,000 | 138,183,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 456,302,000 | 461,941,000 | 462,762,000 | 457,850,000 |
| Interest-bearing deposits | 398,577,000 | 398,986,000 | 399,469,000 | 403,548,000 |
| Noninterest-bearing deposits | 57,725,000 | 62,955,000 | 63,293,000 | 54,302,000 |
| Equity capital | 78,593,000 | 74,497,000 | 67,705,000 | 70,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 4,028,000 | 8,262,000 | 12,746,000 | 17,371,000 |
| Interest expense | 247,000 | 472,000 | 757,000 | 1,407,000 |
| Net interest income | 3,781,000 | 7,790,000 | 11,989,000 | 15,964,000 |
| Noninterest income | 506,000 | 884,000 | 1,453,000 | 1,834,000 |
| Noninterest expense | 2,885,000 | 5,828,000 | 8,685,000 | 11,573,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 100,000 |
| Pretax income | 1,402,000 | 2,813,000 | 4,598,000 | 6,002,000 |
| Income tax | 316,000 | 632,000 | 1,038,000 | 1,296,000 |
| Net income | 1,086,000 | 2,181,000 | 3,560,000 | 4,706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,171,000 | 85,366,000 | 85,273,000 | 86,500,000 |
| Total capital | 85,510,000 | 86,705,000 | 86,662,000 | 87,939,000 |
| Risk-weighted assets | 269,688,000 | 280,171,000 | 292,440,000 | 301,490,000 |