Call reports 2011
LAKE-OSCEOLA STATE BANK — 2011
What LAKE-OSCEOLA STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 171,466,000 | 166,945,000 | 171,602,000 | 169,378,000 |
| Total loans | 124,130,000 | 125,589,000 | 128,516,000 | 131,206,000 |
| Allowance for loan losses | 1,669,000 | 1,708,000 | 1,714,000 | 1,598,000 |
| Securities available for sale | 20,316,000 | 19,079,000 | 18,348,000 | 18,579,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,303,000 | 140,897,000 | 145,448,000 | 141,650,000 |
| Interest-bearing deposits | 127,108,000 | 120,715,000 | 124,882,000 | 122,284,000 |
| Noninterest-bearing deposits | 20,195,000 | 20,182,000 | 20,566,000 | 19,366,000 |
| Equity capital | 16,993,000 | 17,046,000 | 17,564,000 | 17,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,014,000 | 4,071,000 | 6,187,000 | 8,321,000 |
| Interest expense | 404,000 | 807,000 | 1,186,000 | 1,529,000 |
| Net interest income | 1,610,000 | 3,264,000 | 5,001,000 | 6,792,000 |
| Noninterest income | 330,000 | 657,000 | 1,019,000 | 1,353,000 |
| Noninterest expense | 1,387,000 | 2,834,000 | 4,213,000 | 5,964,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 840,000 |
| Pretax income | 328,000 | 638,000 | 1,146,000 | 1,357,000 |
| Income tax | 88,000 | 174,000 | 329,000 | 324,000 |
| Net income | 240,000 | 464,000 | 817,000 | 1,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,369,000 | 16,272,000 | 16,626,000 | 16,482,000 |
| Total capital | 17,724,000 | 17,612,000 | 18,000,000 | 17,881,000 |
| Risk-weighted assets | 108,077,000 | 106,816,000 | 109,563,000 | 111,755,000 |