Call reports 2023
OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2023
What OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 589,326,000 | 596,615,000 | 593,687,000 | 614,043,000 |
| Total loans | 401,727,000 | 413,024,000 | 418,830,000 | 428,949,000 |
| Allowance for loan losses | 1,489,000 | 1,489,000 | 2,394,000 | 2,419,000 |
| Securities available for sale | 137,980,000 | 133,213,000 | 124,755,000 | 130,021,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 475,636,000 | 478,315,000 | 474,239,000 | 486,466,000 |
| Interest-bearing deposits | 414,153,000 | 418,624,000 | 413,290,000 | 422,441,000 |
| Noninterest-bearing deposits | 61,483,000 | 59,691,000 | 60,949,000 | 64,025,000 |
| Equity capital | 69,804,000 | 68,601,000 | 63,832,000 | 70,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,950,000 | 10,187,000 | 15,570,000 | 21,186,000 |
| Interest expense | 1,556,000 | 3,789,000 | 6,323,000 | 9,222,000 |
| Net interest income | 3,394,000 | 6,398,000 | 9,247,000 | 11,964,000 |
| Noninterest income | 490,000 | 829,000 | 1,279,000 | 1,693,000 |
| Noninterest expense | 2,975,000 | 5,908,000 | 8,751,000 | 11,412,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 75,000 |
| Pretax income | 863,000 | 1,276,000 | 1,744,000 | 2,235,000 |
| Income tax | 183,000 | 258,000 | 335,000 | 451,000 |
| Net income | 680,000 | 1,018,000 | 1,409,000 | 1,784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,850,000 | 84,224,000 | 83,828,000 | 84,230,000 |
| Total capital | 85,339,000 | 85,713,000 | 86,521,000 | 86,922,000 |
| Risk-weighted assets | 317,822,000 | 325,679,000 | 327,634,000 | 330,425,000 |