Call reports 2009
LAKE-OSCEOLA STATE BANK — 2009
What LAKE-OSCEOLA STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 167,281,000 | 161,893,000 | 164,582,000 | 161,738,000 |
| Total loans | 127,449,000 | 127,740,000 | 128,107,000 | 127,390,000 |
| Allowance for loan losses | 1,624,000 | 1,676,000 | 1,787,000 | 1,783,000 |
| Securities available for sale | 16,951,000 | 16,708,000 | 18,182,000 | 17,548,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,410,000 | 131,560,000 | 137,182,000 | 134,788,000 |
| Interest-bearing deposits | 123,435,000 | 115,025,000 | 119,545,000 | 116,257,000 |
| Noninterest-bearing deposits | 14,975,000 | 16,535,000 | 17,637,000 | 18,531,000 |
| Equity capital | 16,280,000 | 16,176,000 | 16,816,000 | 16,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,376,000 | 4,676,000 | 7,067,000 | 9,386,000 |
| Interest expense | 799,000 | 1,499,000 | 2,147,000 | 2,764,000 |
| Net interest income | 1,577,000 | 3,177,000 | 4,920,000 | 6,622,000 |
| Noninterest income | 347,000 | 634,000 | 931,000 | 1,198,000 |
| Noninterest expense | 1,279,000 | 2,675,000 | 3,926,000 | 5,480,000 |
| Provision for loan losses | 210,000 | 420,000 | 630,000 | 840,000 |
| Pretax income | 435,000 | 720,000 | 1,299,000 | 1,504,000 |
| Income tax | 116,000 | 182,000 | 348,000 | 403,000 |
| Net income | 319,000 | 538,000 | 951,000 | 1,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,706,000 | 15,604,000 | 16,017,000 | 15,808,000 |
| Total capital | 16,997,000 | 16,897,000 | 17,326,000 | 17,127,000 |
| Risk-weighted assets | 102,908,000 | 103,053,000 | 104,265,000 | 105,093,000 |