Call reports 2024
OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2024
What OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 664,357,000 | 667,162,000 | 662,015,000 | 658,993,000 |
| Total loans | 473,098,000 | 473,004,000 | 471,865,000 | 475,720,000 |
| Allowance for loan losses | 3,332,000 | 3,332,000 | 3,301,000 | 3,258,000 |
| Securities available for sale | 132,978,000 | 129,757,000 | 131,986,000 | 123,874,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 530,452,000 | 534,379,000 | 526,848,000 | 531,460,000 |
| Interest-bearing deposits | 457,838,000 | 452,726,000 | 447,505,000 | 457,340,000 |
| Noninterest-bearing deposits | 72,614,000 | 81,653,000 | 79,343,000 | 74,120,000 |
| Equity capital | 76,733,000 | 72,495,000 | 77,598,000 | 74,564,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 6,389,000 | 13,136,000 | 19,880,000 | 26,701,000 |
| Interest expense | 3,185,000 | 6,401,000 | 9,564,000 | 12,603,000 |
| Net interest income | 3,204,000 | 6,735,000 | 10,316,000 | 14,098,000 |
| Noninterest income | 4,256,000 | 5,654,000 | 6,021,000 | 6,368,000 |
| Noninterest expense | 3,214,000 | 6,228,000 | 9,125,000 | 12,118,000 |
| Provision for loan losses | 153,000 | 153,000 | 122,000 | 79,000 |
| Pretax income | 4,127,000 | 6,042,000 | 7,076,000 | 8,385,000 |
| Income tax | 92,000 | 285,000 | 510,000 | 802,000 |
| Net income | 4,035,000 | 5,757,000 | 6,566,000 | 7,583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,410,000 | 87,177,000 | 87,794,000 | 88,838,000 |
| Total capital | 95,022,000 | 90,789,000 | 91,406,000 | 92,450,000 |
| Risk-weighted assets | 366,422,000 | 363,317,000 | 355,903,000 | 362,172,000 |