Call reports 2012
LAKE-OSCEOLA STATE BANK — 2012
What LAKE-OSCEOLA STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 181,085,000 | 173,770,000 | 181,577,000 | 182,073,000 |
| Total loans | 132,082,000 | 134,334,000 | 139,818,000 | 139,826,000 |
| Allowance for loan losses | 1,532,000 | 1,719,000 | 1,729,000 | 1,913,000 |
| Securities available for sale | 17,689,000 | 17,281,000 | 18,384,000 | 18,293,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,932,000 | 142,729,000 | 148,343,000 | 149,215,000 |
| Interest-bearing deposits | 132,352,000 | 121,739,000 | 123,801,000 | 124,489,000 |
| Noninterest-bearing deposits | 20,580,000 | 20,990,000 | 24,542,000 | 24,726,000 |
| Equity capital | 17,748,000 | 17,806,000 | 18,266,000 | 17,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,110,000 | 4,210,000 | 6,339,000 | 8,439,000 |
| Interest expense | 317,000 | 619,000 | 891,000 | 1,134,000 |
| Net interest income | 1,793,000 | 3,591,000 | 5,448,000 | 7,305,000 |
| Noninterest income | 331,000 | 693,000 | 1,065,000 | 1,423,000 |
| Noninterest expense | 1,395,000 | 2,859,000 | 4,308,000 | 6,196,000 |
| Provision for loan losses | 150,000 | 375,000 | 526,000 | 938,000 |
| Pretax income | 579,000 | 1,050,000 | 1,679,000 | 1,594,000 |
| Income tax | 177,000 | 321,000 | 519,000 | 403,000 |
| Net income | 402,000 | 729,000 | 1,160,000 | 1,191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,883,000 | 16,890,000 | 17,321,000 | 16,992,000 |
| Total capital | 18,304,000 | 18,370,000 | 18,876,000 | 18,552,000 |
| Risk-weighted assets | 113,557,000 | 118,169,000 | 124,213,000 | 124,462,000 |