Call reports 2018
LAKE-OSCEOLA STATE BANK — 2018
What LAKE-OSCEOLA STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 260,469,000 | 261,534,000 | 266,303,000 | 265,318,000 |
| Total loans | 206,405,000 | 211,579,000 | 213,495,000 | 212,121,000 |
| Allowance for loan losses | 2,311,000 | 2,371,000 | 2,403,000 | 2,452,000 |
| Securities available for sale | 21,111,000 | 20,199,000 | 21,574,000 | 21,169,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,578,000 | 216,767,000 | 221,633,000 | 215,379,000 |
| Interest-bearing deposits | 166,700,000 | 161,965,000 | 167,356,000 | 164,088,000 |
| Noninterest-bearing deposits | 48,878,000 | 54,802,000 | 54,277,000 | 51,291,000 |
| Equity capital | 22,560,000 | 22,917,000 | 23,705,000 | 23,979,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,710,000 | 5,533,000 | 8,446,000 | 11,395,000 |
| Interest expense | 286,000 | 597,000 | 961,000 | 1,382,000 |
| Net interest income | 2,424,000 | 4,936,000 | 7,485,000 | 10,013,000 |
| Noninterest income | 416,000 | 879,000 | 1,311,000 | 1,690,000 |
| Noninterest expense | 1,843,000 | 3,792,000 | 5,624,000 | 7,888,000 |
| Provision for loan losses | 92,000 | 184,000 | 276,000 | 385,000 |
| Pretax income | 905,000 | 1,839,000 | 2,896,000 | 3,430,000 |
| Income tax | 165,000 | 342,000 | 544,000 | 547,000 |
| Net income | 740,000 | 1,497,000 | 2,352,000 | 2,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,311,000 | 22,687,000 | 23,543,000 | 23,674,000 |
| Total capital | 24,622,000 | 25,058,000 | 25,946,000 | 26,126,000 |
| Risk-weighted assets | 193,902,000 | 200,644,000 | 203,710,000 | 203,176,000 |