Call reports 2019
LAKE-OSCEOLA STATE BANK — 2019
What LAKE-OSCEOLA STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 260,491,000 | 262,942,000 | 280,235,000 | 287,983,000 |
| Total loans | 212,693,000 | 219,820,000 | 224,430,000 | 217,941,000 |
| Allowance for loan losses | 2,505,000 | 2,499,000 | 2,377,000 | 2,362,000 |
| Securities available for sale | 21,257,000 | 19,235,000 | 18,544,000 | 19,354,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,755,000 | 205,560,000 | 223,279,000 | 230,516,000 |
| Interest-bearing deposits | 171,175,000 | 163,126,000 | 175,202,000 | 172,989,000 |
| Noninterest-bearing deposits | 40,580,000 | 42,434,000 | 48,077,000 | 57,527,000 |
| Equity capital | 24,942,000 | 25,407,000 | 26,025,000 | 26,243,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,982,000 | 5,994,000 | 9,115,000 | 12,375,000 |
| Interest expense | 457,000 | 921,000 | 1,474,000 | 2,036,000 |
| Net interest income | 2,525,000 | 5,073,000 | 7,641,000 | 10,339,000 |
| Noninterest income | 426,000 | 938,000 | 1,378,000 | 1,798,000 |
| Noninterest expense | 1,898,000 | 3,966,000 | 6,041,000 | 8,376,000 |
| Provision for loan losses | 99,000 | 191,000 | 283,000 | 377,000 |
| Pretax income | 954,000 | 1,854,000 | 2,978,000 | 3,667,000 |
| Income tax | 180,000 | 352,000 | 573,000 | 602,000 |
| Net income | 774,000 | 1,502,000 | 2,405,000 | 3,065,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,448,000 | 24,776,000 | 25,679,000 | 25,939,000 |
| Total capital | 26,953,000 | 27,275,000 | 28,056,000 | 28,301,000 |
| Risk-weighted assets | 202,827,000 | 210,637,000 | 213,593,000 | 208,325,000 |