Call reports 2005
LAKE-OSCEOLA STATE BANK — 2005
What LAKE-OSCEOLA STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 142,046,000 | 142,882,000 | 146,327,000 | 142,298,000 |
| Total loans | 103,736,000 | 109,578,000 | 110,709,000 | 111,423,000 |
| Allowance for loan losses | 1,582,000 | 1,630,000 | 1,613,000 | 1,569,000 |
| Securities available for sale | 18,093,000 | 17,913,000 | 17,126,000 | 17,959,000 |
| Securities held to maturity | 1,335,000 | 644,000 | 643,000 | 488,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,521,000 | 114,011,000 | 117,081,000 | 113,533,000 |
| Interest-bearing deposits | 99,711,000 | 97,039,000 | 100,450,000 | 98,248,000 |
| Noninterest-bearing deposits | 15,810,000 | 16,972,000 | 16,631,000 | 15,285,000 |
| Equity capital | 13,078,000 | 13,407,000 | 13,868,000 | 13,774,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,025,000 | 4,111,000 | 6,327,000 | 8,542,000 |
| Interest expense | 485,000 | 1,008,000 | 1,623,000 | 2,344,000 |
| Net interest income | 1,540,000 | 3,103,000 | 4,704,000 | 6,198,000 |
| Noninterest income | 205,000 | 413,000 | 709,000 | 975,000 |
| Noninterest expense | 1,100,000 | 2,171,000 | 3,289,000 | 4,546,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 195,000 |
| Pretax income | 600,000 | 1,257,000 | 1,991,000 | 2,434,000 |
| Income tax | 165,000 | 351,000 | 575,000 | 730,000 |
| Net income | 435,000 | 906,000 | 1,416,000 | 1,704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,575,000 | 12,845,000 | 13,332,000 | 13,306,000 |
| Total capital | 13,617,000 | 13,924,000 | 14,424,000 | 14,393,000 |
| Risk-weighted assets | 82,880,000 | 85,776,000 | 86,839,000 | 86,513,000 |