Call reports 2003
LAKE-OSCEOLA STATE BANK — 2003
What LAKE-OSCEOLA STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 142,990,000 | 134,070,000 | 137,084,000 | 135,424,000 |
| Total loans | 97,017,000 | 97,482,000 | 99,365,000 | 102,883,000 |
| Allowance for loan losses | 1,312,000 | 1,378,000 | 1,443,000 | 1,510,000 |
| Securities available for sale | 19,293,000 | 17,798,000 | 19,289,000 | 20,163,000 |
| Securities held to maturity | 2,721,000 | 2,363,000 | 2,250,000 | 2,006,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,911,000 | 107,495,000 | 110,353,000 | 108,239,000 |
| Interest-bearing deposits | 101,857,000 | 92,798,000 | 94,181,000 | 93,079,000 |
| Noninterest-bearing deposits | 14,054,000 | 14,697,000 | 16,172,000 | 15,160,000 |
| Equity capital | 11,135,000 | 11,571,000 | 11,823,000 | 11,898,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,075,000 | 4,156,000 | 6,162,000 | 8,156,000 |
| Interest expense | 614,000 | 1,217,000 | 1,769,000 | 2,303,000 |
| Net interest income | 1,461,000 | 2,939,000 | 4,393,000 | 5,853,000 |
| Noninterest income | 195,000 | 396,000 | 617,000 | 816,000 |
| Noninterest expense | 1,048,000 | 2,043,000 | 3,067,000 | 4,260,000 |
| Provision for loan losses | 120,000 | 210,000 | 300,000 | 390,000 |
| Pretax income | 488,000 | 1,088,000 | 1,649,000 | 2,027,000 |
| Income tax | 144,000 | 328,000 | 496,000 | 563,000 |
| Net income | 344,000 | 760,000 | 1,153,000 | 1,464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,318,000 | 10,572,000 | 10,973,000 | 11,063,000 |
| Total capital | 11,321,000 | 11,552,000 | 11,965,000 | 12,069,000 |
| Risk-weighted assets | 79,914,000 | 78,063,000 | 78,870,000 | 79,966,000 |