Call reports 2025
OCONEE STATE BANK — 2025
What OCONEE STATE BANK 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 | 645,857,000 | 670,160,000 | 688,987,000 | 733,880,000 |
| Total loans | 424,694,000 | 468,545,000 | 472,673,000 | 483,487,000 |
| Allowance for loan losses | 5,671,000 | 6,167,000 | 6,362,000 | 6,529,000 |
| Securities available for sale | 149,207,000 | 148,386,000 | 147,217,000 | 144,883,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 576,654,000 | 589,372,000 | 607,853,000 | 649,631,000 |
| Interest-bearing deposits | 454,472,000 | 465,074,000 | 475,839,000 | 517,422,000 |
| Noninterest-bearing deposits | 122,182,000 | 124,298,000 | 132,014,000 | 132,209,000 |
| Equity capital | 53,548,000 | 55,875,000 | 63,952,000 | 66,687,000 |
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 | 8,501,000 | 17,833,000 | 27,543,000 | 37,735,000 |
| Interest expense | 2,276,000 | 4,767,000 | 7,309,000 | 10,148,000 |
| Net interest income | 6,225,000 | 13,066,000 | 20,234,000 | 27,587,000 |
| Noninterest income | 1,258,000 | 3,454,000 | 5,144,000 | 6,369,000 |
| Noninterest expense | 5,608,000 | 11,535,000 | 17,654,000 | 24,053,000 |
| Provision for loan losses | 351,000 | 980,000 | 1,175,000 | 1,470,000 |
| Pretax income | 1,390,000 | 3,851,000 | 6,392,000 | 8,265,000 |
| Income tax | 253,000 | 756,000 | 1,297,000 | 1,670,000 |
| Net income | 1,137,000 | 3,095,000 | 5,095,000 | 6,595,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,718,000 | 61,427,000 | 68,493,000 | 70,224,000 |
| Total capital | 65,650,000 | 67,747,000 | 74,873,000 | 76,732,000 |
| Risk-weighted assets | 475,120,000 | 505,452,000 | 510,172,000 | 520,326,000 |