Oconee Financial Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	76.07	58.48	53.09	51.43	85.77
Investment Securities	145.81	140.12	160.08	51.89	47.78
Mortgage-Backed Securities	-	-	-	107.75	114.38
Total Investments	145.81	140.12	160.08	159.64	162.17
Gross Loans	481.56	409.6	346.99	301.15	303.3
Allowance for Loan Losses	-6.53	-5.42	-4.6	-4.55	-4.54
Other Adjustments to Gross Loans	-	-	-	-1.02	-0.78
Net Loans	475.03	404.18	342.39	295.58	297.98
Property, Plant & Equipment	11.32	10.65	8.8	8	8.6
Loans Held for Sale	1.93	2.11	0.52	0.14	1.21
Accrued Interest Receivable	-	-	-	0	0
Long-Term Deferred Tax Assets	-	-	-	5.33	0.41
Other Long-Term Assets	23.8	24.49	24.18	16.34	14.75
Total Assets	733.95	640.03	589.06	536.75	571.14
Accrued Expenses	7.92	6.68	4.44	0.85	0.54
Interest Bearing Deposits	640.31	565.74	531.97	374.81	412.21
Non-Interest Bearing Deposits	-	-	-	120.06	107.49
Total Deposits	640.31	565.74	531.97	494.87	519.69
Accrued Interest Payable	-	-	-	0	0
Long-Term Debt	19.56	9.37	9.34	9.82	9.79
Federal Home Loan Bank Debt, Long-Term	10	10	1	-	-
Long-Term Leases	-	-	-	0.84	0.77
Other Long-Term Liabilities	-	-0	-	1.29	1.01
Total Liabilities	677.8	591.79	546.75	507.66	531.81
Common Stock	2.13	2.1	2.1	1.8	1.8
Additional Paid-In Capital	7.6	7.05	7.04	4.18	4.16
Retained Earnings	52.32	47.79	43.85	36.76	33.27
Comprehensive Income & Other	-5.89	-8.69	-10.68	-13.65	0.11
Shareholders' Equity	56.16	48.24	42.31	29.08	39.33
Total Liabilities & Equity	733.95	640.03	589.06	536.75	571.14
Total Debt	29.56	19.37	10.34	10.66	10.56
Net Cash (Debt)	46.51	39.11	42.75	40.77	75.21
Net Cash Growth	18.92%	-8.52%	4.86%	-45.79%	13.48%
Net Cash Per Share	44.45	37.39	45.60	45.45	83.92
Filing Date Shares Outstanding	1.05	1.05	1.05	0.9	0.9
Total Common Shares Outstanding	1.05	1.05	1.05	0.9	0.9
Book Value Per Share	53.52	46.09	40.44	32.43	43.88
Tangible Book Value	56.16	48.24	42.31	29.08	39.33
Tangible Book Value Per Share	53.52	46.09	40.44	32.43	43.88

Source: S&P Global Market Intelligence. Banks template. Financial Sources.