Call reports 2004
LAKE-OSCEOLA STATE BANK — 2004
What LAKE-OSCEOLA STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 137,769,000 | 136,006,000 | 138,663,000 | 138,419,000 |
| Total loans | 102,016,000 | 103,769,000 | 104,342,000 | 104,350,000 |
| Allowance for loan losses | 1,492,000 | 1,535,000 | 1,492,000 | 1,546,000 |
| Securities available for sale | 18,671,000 | 19,357,000 | 18,736,000 | 18,798,000 |
| Securities held to maturity | 2,007,000 | 1,551,000 | 1,552,000 | 1,433,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,810,000 | 110,071,000 | 112,157,000 | 112,383,000 |
| Interest-bearing deposits | 96,326,000 | 92,883,000 | 94,593,000 | 96,577,000 |
| Noninterest-bearing deposits | 14,484,000 | 17,188,000 | 17,564,000 | 15,806,000 |
| Equity capital | 12,319,000 | 12,132,000 | 12,804,000 | 12,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,978,000 | 3,939,000 | 5,957,000 | 7,982,000 |
| Interest expense | 507,000 | 1,000,000 | 1,486,000 | 1,967,000 |
| Net interest income | 1,471,000 | 2,939,000 | 4,471,000 | 6,015,000 |
| Noninterest income | 222,000 | 429,000 | 648,000 | 859,000 |
| Noninterest expense | 1,094,000 | 2,196,000 | 3,256,000 | 4,492,000 |
| Provision for loan losses | 90,000 | 180,000 | 225,000 | 270,000 |
| Pretax income | 511,000 | 996,000 | 1,642,000 | 2,116,000 |
| Income tax | 142,000 | 307,000 | 465,000 | 595,000 |
| Net income | 369,000 | 689,000 | 1,177,000 | 1,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,440,000 | 11,567,000 | 12,063,000 | 12,134,000 |
| Total capital | 12,455,000 | 12,592,000 | 13,099,000 | 13,166,000 |
| Risk-weighted assets | 80,740,000 | 81,522,000 | 82,356,000 | 82,098,000 |