Call reports 2008
LAKE-OSCEOLA STATE BANK — 2008
What LAKE-OSCEOLA STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 167,655,000 | 157,819,000 | 163,627,000 | 158,148,000 |
| Total loans | 132,572,000 | 131,667,000 | 129,618,000 | 129,762,000 |
| Allowance for loan losses | 1,467,000 | 1,464,000 | 1,546,000 | 1,643,000 |
| Securities available for sale | 10,091,000 | 9,338,000 | 10,240,000 | 11,749,000 |
| Securities held to maturity | 220,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,738,000 | 128,227,000 | 133,741,000 | 129,552,000 |
| Interest-bearing deposits | 118,949,000 | 111,144,000 | 117,148,000 | 112,887,000 |
| Noninterest-bearing deposits | 16,789,000 | 17,083,000 | 16,592,000 | 16,665,000 |
| Equity capital | 15,841,000 | 15,900,000 | 16,249,000 | 15,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,488,000 | 4,989,000 | 7,468,000 | 9,884,000 |
| Interest expense | 1,036,000 | 1,929,000 | 2,766,000 | 3,580,000 |
| Net interest income | 1,452,000 | 3,060,000 | 4,702,000 | 6,304,000 |
| Noninterest income | 253,000 | 727,000 | 1,177,000 | 1,309,000 |
| Noninterest expense | 1,218,000 | 2,441,000 | 3,680,000 | 5,138,000 |
| Provision for loan losses | 90,000 | 240,000 | 575,000 | 955,000 |
| Pretax income | 415,000 | 1,124,000 | 1,642,000 | 1,538,000 |
| Income tax | 118,000 | 337,000 | 495,000 | 423,000 |
| Net income | 297,000 | 787,000 | 1,147,000 | 1,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,237,000 | 15,410,000 | 15,774,000 | 15,386,000 |
| Total capital | 16,574,000 | 16,712,000 | 17,079,000 | 16,681,000 |
| Risk-weighted assets | 106,829,000 | 104,021,000 | 104,153,000 | 103,277,000 |