Call reports 2010
LAKE-OSCEOLA STATE BANK — 2010
What LAKE-OSCEOLA STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 166,239,000 | 164,994,000 | 166,030,000 | 166,933,000 |
| Total loans | 128,098,000 | 126,783,000 | 126,421,000 | 125,040,000 |
| Allowance for loan losses | 1,947,000 | 1,987,000 | 2,005,000 | 1,952,000 |
| Securities available for sale | 13,835,000 | 16,674,000 | 17,371,000 | 17,824,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,995,000 | 138,577,000 | 141,938,000 | 140,823,000 |
| Interest-bearing deposits | 122,502,000 | 119,662,000 | 122,703,000 | 121,312,000 |
| Noninterest-bearing deposits | 16,493,000 | 18,915,000 | 19,235,000 | 19,511,000 |
| Equity capital | 16,854,000 | 16,785,000 | 17,174,000 | 16,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,210,000 | 4,407,000 | 6,596,000 | 8,824,000 |
| Interest expense | 580,000 | 1,148,000 | 1,676,000 | 2,122,000 |
| Net interest income | 1,630,000 | 3,259,000 | 4,920,000 | 6,702,000 |
| Noninterest income | 302,000 | 642,000 | 1,012,000 | 1,346,000 |
| Noninterest expense | 1,223,000 | 2,560,000 | 3,966,000 | 5,555,000 |
| Provision for loan losses | 225,000 | 525,000 | 825,000 | 1,211,000 |
| Pretax income | 554,000 | 886,000 | 1,211,000 | 1,352,000 |
| Income tax | 162,000 | 253,000 | 344,000 | 351,000 |
| Net income | 392,000 | 633,000 | 867,000 | 1,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,200,000 | 16,120,000 | 16,355,000 | 16,128,000 |
| Total capital | 17,523,000 | 17,442,000 | 17,686,000 | 17,468,000 |
| Risk-weighted assets | 105,182,000 | 105,063,000 | 105,795,000 | 106,588,000 |