Call reports 2025
OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2025
What OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 660,123,000 | 669,443,000 | 660,240,000 | 663,576,000 |
| Total loans | 481,843,000 | 482,166,000 | 484,441,000 | 485,487,000 |
| Allowance for loan losses | 3,338,000 | 3,393,000 | 3,443,000 | 3,443,000 |
| Securities available for sale | 124,308,000 | 122,122,000 | 123,416,000 | 126,696,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 537,622,000 | 548,204,000 | 542,978,000 | 557,137,000 |
| Interest-bearing deposits | 464,573,000 | 463,485,000 | 466,860,000 | 480,450,000 |
| Noninterest-bearing deposits | 73,049,000 | 84,719,000 | 76,118,000 | 76,687,000 |
| Equity capital | 78,192,000 | 80,632,000 | 83,382,000 | 81,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 7,013,000 | 14,191,000 | 21,355,000 | 28,592,000 |
| Interest expense | 2,970,000 | 5,920,000 | 8,889,000 | 11,788,000 |
| Net interest income | 4,043,000 | 8,271,000 | 12,466,000 | 16,804,000 |
| Noninterest income | 385,000 | 923,000 | 1,293,000 | 1,652,000 |
| Noninterest expense | 3,133,000 | 6,233,000 | 9,288,000 | 12,296,000 |
| Provision for loan losses | 80,000 | 136,000 | 186,000 | 186,000 |
| Pretax income | 1,347,000 | 3,248,000 | 4,964,000 | 6,521,000 |
| Income tax | 308,000 | 716,000 | 1,110,000 | 1,473,000 |
| Net income | 1,039,000 | 2,532,000 | 3,854,000 | 5,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,904,000 | 91,452,000 | 92,795,000 | 89,807,000 |
| Total capital | 93,634,000 | 95,181,000 | 96,579,000 | 93,591,000 |
| Risk-weighted assets | 365,155,000 | 368,244,000 | 367,339,000 | 365,806,000 |