Call reports 2014
LAKE-OSCEOLA STATE BANK — 2014
What LAKE-OSCEOLA STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 189,320,000 | 185,937,000 | 191,996,000 | 188,948,000 |
| Total loans | 145,054,000 | 145,412,000 | 149,915,000 | 152,134,000 |
| Allowance for loan losses | 1,741,000 | 1,836,000 | 1,763,000 | 1,622,000 |
| Securities available for sale | 21,714,000 | 19,436,000 | 19,972,000 | 19,152,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,234,000 | 150,811,000 | 158,308,000 | 153,210,000 |
| Interest-bearing deposits | 130,807,000 | 123,695,000 | 131,749,000 | 126,179,000 |
| Noninterest-bearing deposits | 25,427,000 | 27,116,000 | 26,559,000 | 27,031,000 |
| Equity capital | 18,905,000 | 19,016,000 | 19,378,000 | 19,111,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,044,000 | 4,110,000 | 6,187,000 | 8,279,000 |
| Interest expense | 186,000 | 373,000 | 553,000 | 725,000 |
| Net interest income | 1,858,000 | 3,737,000 | 5,634,000 | 7,554,000 |
| Noninterest income | 367,000 | 795,000 | 1,204,000 | 1,513,000 |
| Noninterest expense | 1,529,000 | 3,092,000 | 4,706,000 | 6,588,000 |
| Provision for loan losses | 6,000 | 130,000 | 283,000 | 588,000 |
| Pretax income | 690,000 | 1,310,000 | 1,849,000 | 1,891,000 |
| Income tax | 217,000 | 411,000 | 576,000 | 515,000 |
| Net income | 473,000 | 899,000 | 1,273,000 | 1,376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,296,000 | 18,362,000 | 18,736,000 | 18,479,000 |
| Total capital | 19,924,000 | 19,987,000 | 20,404,000 | 20,101,000 |
| Risk-weighted assets | 130,144,000 | 129,849,000 | 133,353,000 | 135,664,000 |