Call reports 2016
LAKE-OSCEOLA STATE BANK — 2016
What LAKE-OSCEOLA STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 219,260,000 | 222,672,000 | 232,229,000 | 235,532,000 |
| Total loans | 168,175,000 | 178,127,000 | 184,483,000 | 188,959,000 |
| Allowance for loan losses | 1,901,000 | 1,853,000 | 1,900,000 | 2,022,000 |
| Securities available for sale | 20,028,000 | 20,692,000 | 18,917,000 | 19,197,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,676,000 | 188,319,000 | 192,333,000 | 196,052,000 |
| Interest-bearing deposits | 148,097,000 | 147,070,000 | 151,301,000 | 153,097,000 |
| Noninterest-bearing deposits | 36,579,000 | 41,249,000 | 41,032,000 | 42,955,000 |
| Equity capital | 20,131,000 | 20,362,000 | 20,894,000 | 20,619,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,204,000 | 4,501,000 | 6,885,000 | 9,350,000 |
| Interest expense | 170,000 | 355,000 | 554,000 | 769,000 |
| Net interest income | 2,034,000 | 4,146,000 | 6,331,000 | 8,581,000 |
| Noninterest income | 382,000 | 838,000 | 1,237,000 | 1,596,000 |
| Noninterest expense | 1,668,000 | 3,388,000 | 5,050,000 | 7,023,000 |
| Provision for loan losses | 3,000 | 36,000 | 118,000 | 348,000 |
| Pretax income | 745,000 | 1,560,000 | 2,400,000 | 2,806,000 |
| Income tax | 227,000 | 480,000 | 742,000 | 800,000 |
| Net income | 518,000 | 1,080,000 | 1,658,000 | 2,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,482,000 | 19,684,000 | 20,223,000 | 20,210,000 |
| Total capital | 21,383,000 | 21,537,000 | 22,123,000 | 22,232,000 |
| Risk-weighted assets | 156,379,000 | 166,813,000 | 170,062,000 | 176,045,000 |