Call reports 2001
LAKE-OSCEOLA STATE BANK — 2001
What LAKE-OSCEOLA STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 105,258,000 | 108,677,000 | 114,150,000 | 117,060,000 |
| Total loans | 73,925,000 | 80,723,000 | 86,120,000 | 91,890,000 |
| Allowance for loan losses | 752,000 | 782,000 | 836,000 | 854,000 |
| Securities available for sale | 13,655,000 | 13,726,000 | 12,654,000 | 10,410,000 |
| Securities held to maturity | 3,156,000 | 3,154,000 | 3,154,000 | 3,081,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,279,000 | 91,597,000 | 93,665,000 | 95,730,000 |
| Interest-bearing deposits | 81,534,000 | 80,864,000 | 81,729,000 | 82,810,000 |
| Noninterest-bearing deposits | 9,745,000 | 10,733,000 | 11,936,000 | 12,920,000 |
| Equity capital | 9,063,000 | 9,189,000 | 9,574,000 | 9,630,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,948,000 | 3,927,000 | 6,005,000 | 8,212,000 |
| Interest expense | 943,000 | 1,827,000 | 2,663,000 | 3,424,000 |
| Net interest income | 1,005,000 | 2,108,000 | 3,342,000 | 4,788,000 |
| Noninterest income | 198,000 | 426,000 | 636,000 | 714,000 |
| Noninterest expense | 891,000 | 1,802,000 | 2,752,000 | 3,843,000 |
| Provision for loan losses | 48,000 | 96,000 | 174,000 | 252,000 |
| Pretax income | 267,000 | 639,000 | 1,055,000 | 1,410,000 |
| Income tax | 70,000 | 176,000 | 296,000 | 354,000 |
| Net income | 197,000 | 463,000 | 759,000 | 1,056,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,149,000 | 8,293,000 | 8,726,000 | 8,891,000 |
| Total capital | 8,901,000 | 9,075,000 | 9,565,000 | 9,749,000 |
| Risk-weighted assets | 62,175,000 | 64,981,000 | 68,318,000 | 72,597,000 |