Oconee Financial Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	47	76.07	58.48	53.09	51.43	85.77
Investment Securities	142.63	145.81	140.12	160.08	51.89	47.78
Mortgage-Backed Securities	-	-	-	-	107.75	114.38
Total Investments	142.63	145.81	140.12	160.08	159.64	162.17
Gross Loans	502.56	481.56	409.6	346.99	301.15	303.3
Allowance for Loan Losses	-6.83	-6.53	-5.42	-4.6	-4.55	-4.54
Other Adjustments to Gross Loans	-	-	-	-	-1.02	-0.78
Net Loans	495.73	475.03	404.18	342.39	295.58	297.98
Property, Plant & Equipment	11.06	11.32	10.65	8.8	8	8.6
Loans Held for Sale	2.04	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	25.56	23.8	24.49	24.18	16.34	14.75
Total Assets	724.02	733.95	640.03	589.06	536.75	571.14
Accrued Expenses	6.5	7.92	6.68	4.44	0.85	0.54
Interest Bearing Deposits	631.17	640.31	565.74	531.97	374.81	412.21
Non-Interest Bearing Deposits	-	-	-	-	120.06	107.49
Total Deposits	631.17	640.31	565.74	531.97	494.87	519.69
Accrued Interest Payable	-	-	-	-	0	0
Long-Term Debt	19.58	19.56	9.37	9.34	9.82	9.79
Federal Home Loan Bank Debt, Long-Term	10	10	10	1	-	-
Long-Term Leases	-	-	-	-	0.84	0.77
Other Long-Term Liabilities	-	-	-0	-	1.29	1.01
Total Liabilities	668.46	677.8	591.79	546.75	507.66	531.81
Common Stock	2.1	2.13	2.1	2.1	1.8	1.8
Additional Paid-In Capital	7.34	7.6	7.05	7.04	4.18	4.16
Retained Earnings	52.11	52.32	47.79	43.85	36.76	33.27
Comprehensive Income & Other	-5.98	-5.89	-8.69	-10.68	-13.65	0.11
Shareholders' Equity	55.57	56.16	48.24	42.31	29.08	39.33
Total Liabilities & Equity	724.02	733.95	640.03	589.06	536.75	571.14
Total Debt	29.58	29.56	19.37	10.34	10.66	10.56
Net Cash (Debt)	17.42	46.51	39.11	42.75	40.77	75.21
Net Cash Growth	-26.80%	18.92%	-8.52%	4.86%	-45.79%	13.48%
Net Cash Per Share	16.64	44.45	37.39	45.60	45.45	83.92
Filing Date Shares Outstanding	1.05	1.05	1.05	1.05	0.9	0.9
Total Common Shares Outstanding	1.05	1.05	1.05	1.05	0.9	0.9
Book Value Per Share	52.98	53.52	46.09	40.44	32.43	43.88
Tangible Book Value	55.57	56.16	48.24	42.31	29.08	39.33
Tangible Book Value Per Share	52.98	53.52	46.09	40.44	32.43	43.88