Call reports 2017
LAKE-OSCEOLA STATE BANK — 2017
What LAKE-OSCEOLA STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 244,766,000 | 239,374,000 | 249,533,000 | 241,452,000 |
| Total loans | 192,632,000 | 197,390,000 | 199,466,000 | 201,767,000 |
| Allowance for loan losses | 2,032,000 | 2,100,000 | 2,228,000 | 2,242,000 |
| Securities available for sale | 19,294,000 | 18,561,000 | 21,580,000 | 21,503,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,560,000 | 201,378,000 | 209,919,000 | 201,433,000 |
| Interest-bearing deposits | 165,309,000 | 155,781,000 | 159,951,000 | 155,859,000 |
| Noninterest-bearing deposits | 39,251,000 | 45,597,000 | 49,968,000 | 45,574,000 |
| Equity capital | 21,224,000 | 21,549,000 | 22,171,000 | 21,972,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,457,000 | 5,007,000 | 7,638,000 | 10,269,000 |
| Interest expense | 216,000 | 441,000 | 674,000 | 917,000 |
| Net interest income | 2,241,000 | 4,566,000 | 6,964,000 | 9,352,000 |
| Noninterest income | 392,000 | 853,000 | 1,296,000 | 1,654,000 |
| Noninterest expense | 1,685,000 | 3,479,000 | 5,240,000 | 7,332,000 |
| Provision for loan losses | 153,000 | 306,000 | 459,000 | 536,000 |
| Pretax income | 795,000 | 1,634,000 | 2,561,000 | 3,138,000 |
| Income tax | 233,000 | 484,000 | 757,000 | 1,038,000 |
| Net income | 562,000 | 1,150,000 | 1,804,000 | 2,100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,772,000 | 20,957,000 | 21,613,000 | 21,571,000 |
| Total capital | 22,804,000 | 23,057,000 | 23,841,000 | 23,813,000 |
| Risk-weighted assets | 180,606,000 | 184,206,000 | 187,018,000 | 189,146,000 |