Call reports 2013
LAKE-OSCEOLA STATE BANK — 2013
What LAKE-OSCEOLA STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 194,431,000 | 184,340,000 | 190,581,000 | 185,585,000 |
| Total loans | 138,478,000 | 141,444,000 | 143,328,000 | 145,227,000 |
| Allowance for loan losses | 1,679,000 | 1,765,000 | 1,975,000 | 1,850,000 |
| Securities available for sale | 19,302,000 | 18,415,000 | 21,486,000 | 21,004,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,439,000 | 151,657,000 | 160,305,000 | 151,230,000 |
| Interest-bearing deposits | 137,512,000 | 127,406,000 | 135,063,000 | 127,483,000 |
| Noninterest-bearing deposits | 23,927,000 | 24,251,000 | 25,242,000 | 23,747,000 |
| Equity capital | 18,113,000 | 17,982,000 | 18,346,000 | 18,390,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,017,000 | 4,073,000 | 6,200,000 | 8,299,000 |
| Interest expense | 229,000 | 450,000 | 654,000 | 846,000 |
| Net interest income | 1,788,000 | 3,623,000 | 5,546,000 | 7,453,000 |
| Noninterest income | 389,000 | 877,000 | 1,290,000 | 1,668,000 |
| Noninterest expense | 1,563,000 | 2,982,000 | 4,434,000 | 6,209,000 |
| Provision for loan losses | 302,000 | 605,000 | 836,000 | 842,000 |
| Pretax income | 312,000 | 913,000 | 1,566,000 | 2,070,000 |
| Income tax | 89,000 | 278,000 | 483,000 | 559,000 |
| Net income | 223,000 | 635,000 | 1,083,000 | 1,511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,214,000 | 17,307,000 | 17,755,000 | 17,824,000 |
| Total capital | 18,777,000 | 18,892,000 | 19,367,000 | 19,447,000 |
| Risk-weighted assets | 124,928,000 | 126,592,000 | 128,575,000 | 129,737,000 |