Oconee Financial Corporation (OSBK)

Oconee Financial Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	23.51	58.48	53.09	51.43	85.77	76.42
Investment Securities	149.69	140.12	160.08	51.89	47.78	5.01
Mortgage-Backed Securities	-	-	-	107.75	114.38	70.54
Total Investments	149.69	140.12	160.08	159.64	162.17	75.55
Gross Loans	464.38	409.6	346.99	301.15	303.3	325.53
Allowance for Loan Losses	-6.17	-5.42	-4.6	-4.55	-4.54	-4.06
Other Adjustments to Gross Loans	-	-	-	-1.02	-0.78	-1.9
Net Loans	458.21	404.18	342.39	295.58	297.98	319.57
Property, Plant & Equipment	11.37	10.65	8.8	8	8.6	5.1
Loans Held for Sale	4.17	2.11	0.52	0.14	1.21	6.41
Accrued Interest Receivable	-	-	-	0	0	0
Long-Term Deferred Tax Assets	-	-	-	5.33	0.41	-
Other Long-Term Assets	23.35	24.49	24.18	16.34	14.75	11.13
Total Assets	670.29	640.03	589.06	536.75	571.14	494.54
Accrued Expenses	6.91	6.68	4.44	0.85	0.54	0.32
Interest Bearing Deposits	584.92	565.74	531.97	374.81	412.21	349.83
Non-Interest Bearing Deposits	-	-	-	120.06	107.49	94.88
Total Deposits	584.92	565.74	531.97	494.87	519.69	444.7
Accrued Interest Payable	-	-	-	0	0	0
Long-Term Debt	9.38	9.37	9.34	9.82	9.79	9.77
Federal Home Loan Bank Debt, Long-Term	18	10	1	-	-	-
Long-Term Leases	-	-	-	0.84	0.77	0.37
Long-Term Deferred Tax Liabilities	-	-	-	-	-	0.05
Other Long-Term Liabilities	-	-0	-	1.29	1.01	1.19
Total Liabilities	619.21	591.79	546.75	507.66	531.81	456.4
Common Stock	2.13	2.1	2.1	1.8	1.8	1.79
Additional Paid-In Capital	7.62	7.05	7.04	4.18	4.16	4.15
Retained Earnings	49.52	47.79	43.85	36.76	33.27	30.85
Comprehensive Income & Other	-8.2	-8.69	-10.68	-13.65	0.11	1.34
Shareholders' Equity	51.07	48.24	42.31	29.08	39.33	38.14
Total Liabilities & Equity	670.29	640.03	589.06	536.75	571.14	494.54
Total Debt	27.38	19.37	10.34	10.66	10.56	10.14
Net Cash (Debt)	-3.87	39.11	42.75	40.77	75.21	66.28
Net Cash Growth	-	-8.52%	4.86%	-45.79%	13.48%	73.98%
Net Cash Per Share	-3.70	37.39	45.60	45.45	83.92	73.96
Filing Date Shares Outstanding	1.05	1.05	1.05	0.9	0.9	0.9
Total Common Shares Outstanding	1.05	1.05	1.05	0.9	0.9	0.9
Book Value Per Share	48.81	46.09	40.44	32.43	43.88	42.51
Tangible Book Value	51.07	48.24	42.31	29.08	39.33	38.14
Tangible Book Value Per Share	48.81	46.09	40.44	32.43	43.88	42.51

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