Call reports 2006
LAKE-OSCEOLA STATE BANK — 2006
What LAKE-OSCEOLA STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 145,879,000 | 146,453,000 | 149,204,000 | 149,196,000 |
| Total loans | 113,081,000 | 114,894,000 | 117,948,000 | 121,205,000 |
| Allowance for loan losses | 1,601,000 | 1,711,000 | 1,745,000 | 1,626,000 |
| Securities available for sale | 17,195,000 | 16,679,000 | 16,516,000 | 15,219,000 |
| Securities held to maturity | 489,000 | 489,000 | 489,000 | 489,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,562,000 | 116,631,000 | 118,278,000 | 118,695,000 |
| Interest-bearing deposits | 101,868,000 | 100,475,000 | 102,208,000 | 102,071,000 |
| Noninterest-bearing deposits | 14,694,000 | 16,156,000 | 16,070,000 | 16,624,000 |
| Equity capital | 14,130,000 | 14,211,000 | 14,768,000 | 14,724,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,209,000 | 4,572,000 | 6,979,000 | 9,472,000 |
| Interest expense | 771,000 | 1,587,000 | 2,496,000 | 3,489,000 |
| Net interest income | 1,438,000 | 2,985,000 | 4,483,000 | 5,983,000 |
| Noninterest income | 237,000 | 520,000 | 803,000 | 1,066,000 |
| Noninterest expense | 1,065,000 | 2,201,000 | 3,344,000 | 4,637,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 550,000 | 1,184,000 | 1,762,000 | 2,172,000 |
| Income tax | 162,000 | 353,000 | 521,000 | 633,000 |
| Net income | 388,000 | 831,000 | 1,241,000 | 1,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,701,000 | 13,871,000 | 14,289,000 | 14,252,000 |
| Total capital | 14,817,000 | 15,009,000 | 15,451,000 | 15,442,000 |
| Risk-weighted assets | 88,803,000 | 90,460,000 | 92,364,000 | 94,753,000 |