Oconee federal financial corp. (OFED)
Balance Sheet / Yearly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11
ASSETS
Cash and due from banks

5,114

3,825

4,160

5,678

3,309

4,215

3,538

3,681

2,050

4,867

2,935

3,526

4,375

5,504

5,873

4,874

4,294

4,515

4,201

4,883

1,774

2,081

923

1,365

-

-

-

-

-

-

-

-

-

-

-

-

Cash and due from banks

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,907

1,910

1,594

1,362

4,350

4,286

-

1,414

-

-

-

-

Interest-earning deposits

20,854

17,724

30,399

30,946

11,926

6,837

3,405

6,193

6,788

1,915

3,487

17,211

20,664

20,174

16,979

22,802

23,335

19,715

11,951

21,309

23,693

19,220

7,366

10,525

16,617

22,280

27,896

36,580

43,310

45,800

-

46,198

-

-

-

-

Fed funds sold

144

72

72

66

60

132

114

36

76

-

-

8

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Total cash and cash equivalents

26,112

21,621

34,631

36,690

15,295

11,184

7,057

9,910

8,914

6,782

6,422

20,745

25,039

25,678

22,852

27,676

27,629

24,230

16,152

26,192

25,467

21,301

8,289

11,890

18,524

24,190

29,490

37,942

47,660

50,086

21,731

47,612

18,864

20,592

22,617

11,453

Securities available-for-sale

86,885

85,748

90,608

95,429

100,519

109,500

111,479

115,146

119,090

122,183

120,711

118,334

115,576

120,654

132,874

132,084

129,140

124,168

112,326

111,167

103,513

104,699

100,830

103,806

100,713

97,113

90,891

87,985

84,848

76,837

70,544

64,540

55,484

43,062

35,705

30,631

Loans

353,164

360,243

360,883

360,088

-

-

-

327,758

-

-

-

-

305,962

301,537

295,480

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans

-

-

-

-

360,410

356,844

341,960

-

319,469

317,063

312,876

307,558

-

-

-

292,063

291,539

297,246

304,604

309,267

322,351

330,902

-

230,786

-

-

-

-

-

-

-

-

-

-

-

-

Allowance for loan losses

1,296

1,296

1,297

1,297

1,313

1,227

1,151

1,097

1,052

1,032

1,024

1,016

1,067

996

972

922

1,157

1,148

1,011

1,008

869

864

-

855

-

-

-

-

-

-

-

-

-

-

-

-

Net loans

351,868

358,947

359,586

358,791

359,097

355,617

340,809

326,661

318,417

316,031

311,852

306,542

304,895

300,541

294,508

291,141

290,382

296,098

303,593

308,259

321,482

330,038

-

229,931

225,481

224,287

221,858

221,163

226,939

233,184

243,751

249,832

255,717

257,617

264,904

264,913

Loans held for sale, at fair value

1,083

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans held for sale, at fair value

-

-

-

-

-

154

69

-

178

270

-

245

226

-

332

129

385

-

-

118

733

591

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Federal funds sold and overnight interest bearing deposits

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

28,207

-

30,384

37,218

33,913

49,377

Total cash and cash equivalents

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

49,938

-

49,248

57,810

56,530

60,830

Loans, net of allowance for loan losses of $855 and $855

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

232,914

-

-

-

8,726

8,039

8,139

8,344

8,383

8,733

8,843

9,281

8,718

9,035

Premises and equipment, net

9,489

9,534

8,805

8,134

7,596

7,657

7,658

6,817

6,780

6,761

6,580

6,574

6,642

6,665

6,769

6,811

6,913

6,990

7,015

7,058

7,073

7,086

3,019

2,993

3,032

2,980

3,015

3,047

3,098

3,149

3,161

3,183

3,199

3,245

3,234

3,255

Real estate owned, net

295

617

706

811

779

823

775

1,074

-

-

-

865

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Real estate owned, net

-

-

-

-

-

-

-

-

850

850

894

-

811

752

654

1,354

1,729

1,918

1,682

2,092

2,499

3,234

596

744

822

857

857

1,047

1,241

475

820

854

897

1,340

2,571

2,254

Accrued interest receivable
Loans

1,055

1,039

1,077

1,137

1,121

1,064

1,050

961

962

990

972

944

896

937

963

1,016

1,033

1,035

1,087

1,077

1,126

1,199

846

811

822

800

808

863

896

885

975

953

944

982

950

936

Investments

329

382

355

447

465

586

543

615

571

616

533

568

508

557

555

492

473

414

398

312

346

281

344

251

339

238

401

269

341

233

291

230

286

168

207

107

Restricted equity securities, at cost

1,249

1,046

1,641

1,854

1,854

2,398

1,745

1,639

1,575

1,872

1,447

1,023

1,023

1,021

1,021

1,021

433

440

440

440

440

467

325

325

320

449

449

449

449

564

564

564

564

557

557

557

Bank owned life insurance

19,370

19,249

19,136

19,022

18,908

18,782

18,668

18,554

18,438

18,310

18,191

18,071

17,948

17,811

17,684

17,558

17,428

17,283

17,152

9,044

8,978

8,897

8,825

8,758

8,687

8,601

8,526

8,450

400

390

384

385

387

375

369

369

Goodwill

2,593

2,593

2,593

2,593

2,593

2,593

2,593

2,593

2,593

2,593

2,593

2,593

2,593

2,593

2,593

2,593

2,593

2,593

2,593

2,593

2,870

3,658

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Core deposit intangible

233

254

279

305

331

358

387

417

448

478

520

568

616

664

714

744

774

804

838

874

900

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loan servicing rights

590

781

815

868

950

1,017

1,050

1,093

1,099

1,024

1,089

1,141

1,216

1,219

1,023

1,046

1,168

1,310

1,332

1,396

1,319

1,341

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Deferred tax assets

604

-

-

1,187

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Deferred tax assets

-

944

1,040

-

1,598

1,882

2,153

1,982

2,113

1,678

2,343

2,370

2,251

2,585

1,227

1,128

1,748

2,847

2,723

3,766

5,046

4,672

-

650

-

-

-

-

-

-

-

-

-

-

-

-

Prepaid FDIC insurance premiums

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

252

287

323

345

380

417

452

488

Other assets

469

452

557

558

415

433

444

497

443

443

549

734

395

401

443

847

832

656

1,201

956

909

524

1,108

342

815

1,087

867

841

542

487

521

522

928

1,023

917

902

Total assets

502,224

503,207

521,829

527,826

511,521

514,048

496,480

487,959

482,471

480,881

474,696

481,317

480,635

482,078

484,212

485,640

482,660

480,786

468,532

475,344

482,701

487,988

357,096

360,501

359,555

360,602

365,888

370,095

374,805

374,921

379,655

377,753

376,877

375,877

375,114

374,277

LIABILITIES
Deposits
Noninterest - bearing

37,012

33,579

36,033

36,232

31,926

30,138

34,273

31,189

28,125

27,433

27,938

25,900

24,984

26,058

25,346

23,356

19,788

22,644

20,969

20,254

17,999

18,036

8,360

7,075

5,229

4,928

4,791

5,166

4,458

3,747

3,660

3,394

3,137

2,827

2,473

2,014

Interest - bearing

369,351

378,823

381,625

382,874

372,079

363,811

360,147

356,399

355,950

343,865

349,740

368,605

369,918

370,355

373,081

376,278

377,523

374,524

364,343

373,839

382,778

389,319

269,588

273,940

277,167

279,266

283,986

287,256

289,326

287,671

289,852

289,974

290,123

290,243

289,298

290,455

Total deposits

406,363

412,402

417,658

419,106

404,005

393,949

394,420

387,588

384,075

371,298

377,678

394,505

394,902

396,413

398,427

399,634

397,311

397,168

385,312

394,093

400,777

407,355

277,948

281,015

282,396

284,194

288,777

292,422

293,784

291,418

293,512

293,368

293,260

293,070

291,771

292,469

Fed Funds Purchased

-

-

-

-

-

-

-

-

-

2,814

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Federal Home Loan Bank advances

5,000

-

14,000

19,000

19,000

32,500

17,000

14,500

13,000

20,000

10,000

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Accrued interest payable and other liabilities

1,422

1,949

1,826

1,423

1,628

1,608

783

1,006

814

1,462

749

851

977

1,758

603

605

1,038

947

916

461

1,373

1,333

1,717

2,505

1,024

995

1,920

1,511

1,814

1,673

2,296

1,401

1,454

1,180

2,050

1,597

Total liabilities

412,785

414,351

433,484

439,529

424,633

428,057

412,203

403,094

397,889

395,574

388,427

395,356

395,879

398,171

399,030

400,239

398,349

398,115

386,228

394,554

402,150

408,688

279,665

283,520

283,420

285,189

290,697

293,933

295,598

293,091

295,808

294,769

294,714

294,250

-

294,066

SHAREHOLDERS' EQUITY
Total liabilities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

293,821

-

Common stock, $0.01 par value, 100,000,000 shares authorized; 6,530,074 and 6,530,074 shares outstanding, respectively

65

65

65

65

65

65

65

65

65

65

65

65

65

65

65

65

65

65

65

65

65

65

64

64

64

64

64

64

64

64

64

64

63

63

63

63

Treasury stock, at par, 854,068 and 771,008 shares, respectively

9

8

8

8

8

7

7

7

7

7

7

7

7

7

7

6

6

6

6

6

6

6

6

6

6

6

6

5

4

2

-

-

-

-

-

-

Additional paid-in capital

9,192

10,215

10,254

10,986

10,896

11,625

11,582

12,000

11,884

11,819

11,834

11,940

12,120

12,423

12,297

12,882

13,440

13,647

13,470

13,354

13,238

13,161

12,281

12,186

12,119

12,201

12,068

13,413

15,633

18,500

20,947

20,880

20,958

20,952

20,940

20,935

Retained earnings

78,745

78,392

77,823

77,464

77,305

76,862

76,442

76,136

75,785

74,860

75,451

75,169

74,201

73,393

72,599

71,909

71,034

70,230

69,804

68,950

68,294

67,715

67,166

66,705

66,436

66,165

65,650

65,315

64,848

64,624

64,067

63,693

63,133

62,756

62,493

61,516

Accumulated other comprehensive income

1,903

699

766

394

-717

-1,852

-3,053

-2,528

-2,295

-530

-122

-202

-568

-860

1,432

1,808

1,088

98

468

-26

557

11

-301

-147

-610

-1,096

-565

-559

777

800

982

599

302

191

211

136

Unearned ESOP shares

457

507

555

604

653

702

752

801

850

900

952

1,004

1,055

1,107

1,204

1,257

1,310

1,363

1,497

1,547

1,597

1,646

1,773

1,821

1,868

1,915

2,020

2,066

2,111

2,156

2,213

2,252

2,293

2,335

2,414

2,439

Total shareholders' equity

89,439

88,856

88,345

88,297

86,888

85,991

84,277

84,865

84,582

85,307

86,269

85,961

84,756

83,907

85,182

85,401

84,311

82,671

82,304

80,790

80,551

79,300

77,431

76,981

76,135

75,413

75,191

76,162

79,207

81,830

83,847

82,984

82,163

81,627

81,293

80,211

Total liabilities and shareholders' equity

502,224

503,207

521,829

527,826

511,521

514,048

496,480

487,959

482,471

480,881

474,696

481,317

480,635

482,078

484,212

485,640

482,660

480,786

468,532

475,344

482,701

487,988

357,096

360,501

359,555

360,602

365,888

370,095

374,805

374,921

379,655

377,753

376,877

375,877

375,114

374,277