Call reports 2007
LAKE-OSCEOLA STATE BANK — 2007
What LAKE-OSCEOLA STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 153,839,000 | 150,444,000 | 159,414,000 | 155,781,000 |
| Total loans | 121,120,000 | 122,673,000 | 126,654,000 | 125,268,000 |
| Allowance for loan losses | 1,655,000 | 1,651,000 | 1,624,000 | 1,479,000 |
| Securities available for sale | 15,173,000 | 13,884,000 | 13,163,000 | 11,496,000 |
| Securities held to maturity | 489,000 | 489,000 | 320,000 | 220,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,855,000 | 116,647,000 | 126,569,000 | 123,219,000 |
| Interest-bearing deposits | 107,154,000 | 99,981,000 | 109,181,000 | 107,568,000 |
| Noninterest-bearing deposits | 15,701,000 | 16,666,000 | 17,388,000 | 15,651,000 |
| Equity capital | 15,109,000 | 15,024,000 | 15,481,000 | 15,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,442,000 | 4,914,000 | 7,465,000 | 9,980,000 |
| Interest expense | 1,011,000 | 2,018,000 | 3,089,000 | 4,170,000 |
| Net interest income | 1,431,000 | 2,896,000 | 4,376,000 | 5,810,000 |
| Noninterest income | 281,000 | 572,000 | 876,000 | 1,230,000 |
| Noninterest expense | 1,125,000 | 2,376,000 | 3,559,000 | 4,861,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 315,000 |
| Pretax income | 515,000 | 939,000 | 1,465,000 | 1,861,000 |
| Income tax | 146,000 | 265,000 | 418,000 | 526,000 |
| Net income | 369,000 | 674,000 | 1,047,000 | 1,335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,628,000 | 14,620,000 | 15,000,000 | 14,935,000 |
| Total capital | 15,843,000 | 15,840,000 | 16,260,000 | 16,203,000 |
| Risk-weighted assets | 98,254,000 | 97,144,000 | 100,472,000 | 101,250,000 |