Call reports 2015
LAKE-OSCEOLA STATE BANK — 2015
What LAKE-OSCEOLA STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 205,958,000 | 198,118,000 | 207,864,000 | 208,520,000 |
| Total loans | 153,013,000 | 159,695,000 | 164,933,000 | 168,133,000 |
| Allowance for loan losses | 1,818,000 | 2,028,000 | 2,229,000 | 1,909,000 |
| Securities available for sale | 18,861,000 | 17,959,000 | 20,360,000 | 19,986,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,633,000 | 162,839,000 | 173,502,000 | 174,462,000 |
| Interest-bearing deposits | 139,298,000 | 127,582,000 | 136,541,000 | 136,749,000 |
| Noninterest-bearing deposits | 32,335,000 | 35,257,000 | 36,961,000 | 37,713,000 |
| Equity capital | 19,532,000 | 19,415,000 | 19,878,000 | 19,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,064,000 | 4,196,000 | 6,401,000 | 8,634,000 |
| Interest expense | 170,000 | 340,000 | 513,000 | 684,000 |
| Net interest income | 1,894,000 | 3,856,000 | 5,888,000 | 7,950,000 |
| Noninterest income | 363,000 | 797,000 | 1,226,000 | 1,622,000 |
| Noninterest expense | 1,497,000 | 3,135,000 | 4,816,000 | 7,153,000 |
| Provision for loan losses | 225,000 | 451,000 | 678,000 | 380,000 |
| Pretax income | 535,000 | 1,067,000 | 1,620,000 | 2,039,000 |
| Income tax | 157,000 | 331,000 | 478,000 | 524,000 |
| Net income | 378,000 | 736,000 | 1,142,000 | 1,515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,857,000 | 18,855,000 | 19,261,000 | 18,964,000 |
| Total capital | 20,591,000 | 20,663,000 | 21,134,000 | 20,873,000 |
| Risk-weighted assets | 138,690,000 | 144,443,000 | 149,481,000 | 154,757,000 |