Call reports 2002
LAKE-OSCEOLA STATE BANK — 2002
What LAKE-OSCEOLA STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 121,831,000 | 122,765,000 | 125,568,000 | 130,772,000 |
| Total loans | 92,563,000 | 93,617,000 | 96,781,000 | 96,222,000 |
| Allowance for loan losses | 935,000 | 999,000 | 1,100,000 | 1,197,000 |
| Securities available for sale | 10,144,000 | 9,593,000 | 10,457,000 | 11,159,000 |
| Securities held to maturity | 3,080,000 | 2,853,000 | 2,853,000 | 2,722,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,111,000 | 99,192,000 | 101,578,000 | 107,032,000 |
| Interest-bearing deposits | 88,272,000 | 85,788,000 | 86,633,000 | 92,842,000 |
| Noninterest-bearing deposits | 11,839,000 | 13,404,000 | 14,945,000 | 14,190,000 |
| Equity capital | 9,979,000 | 10,338,000 | 10,798,000 | 10,845,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,074,000 | 4,187,000 | 6,344,000 | 8,448,000 |
| Interest expense | 697,000 | 1,357,000 | 2,035,000 | 2,689,000 |
| Net interest income | 1,377,000 | 2,830,000 | 4,309,000 | 5,759,000 |
| Noninterest income | 193,000 | 391,000 | 590,000 | 797,000 |
| Noninterest expense | 970,000 | 1,966,000 | 2,985,000 | 4,173,000 |
| Provision for loan losses | 78,000 | 183,000 | 288,000 | 438,000 |
| Pretax income | 522,000 | 1,073,000 | 1,628,000 | 1,947,000 |
| Income tax | 156,000 | 322,000 | 490,000 | 545,000 |
| Net income | 366,000 | 751,000 | 1,138,000 | 1,402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,266,000 | 9,518,000 | 9,923,000 | 9,966,000 |
| Total capital | 10,191,000 | 10,446,000 | 10,871,000 | 10,927,000 |
| Risk-weighted assets | 73,904,000 | 74,194,000 | 75,654,000 | 76,637,000 |