Call reports 2020
LAKE-OSCEOLA STATE BANK — 2020
What LAKE-OSCEOLA STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 289,188,000 | 334,049,000 | 347,424,000 | 343,267,000 |
| Total loans | 217,084,000 | 235,678,000 | 229,483,000 | 214,210,000 |
| Allowance for loan losses | 2,452,000 | 2,548,000 | 2,650,000 | 2,776,000 |
| Securities available for sale | 19,917,000 | 17,756,000 | 25,724,000 | 30,864,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,677,000 | 277,219,000 | 290,948,000 | 286,333,000 |
| Interest-bearing deposits | 189,463,000 | 210,290,000 | 221,906,000 | 209,419,000 |
| Noninterest-bearing deposits | 42,214,000 | 66,929,000 | 69,042,000 | 76,914,000 |
| Equity capital | 26,474,000 | 27,457,000 | 28,376,000 | 28,715,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,086,000 | 6,035,000 | 9,174,000 | 12,384,000 |
| Interest expense | 586,000 | 1,109,000 | 1,583,000 | 1,981,000 |
| Net interest income | 2,500,000 | 4,926,000 | 7,591,000 | 10,403,000 |
| Noninterest income | 452,000 | 936,000 | 1,419,000 | 1,887,000 |
| Noninterest expense | 1,922,000 | 3,860,000 | 5,901,000 | 8,318,000 |
| Provision for loan losses | 123,000 | 246,000 | 368,000 | 493,000 |
| Pretax income | 907,000 | 1,756,000 | 2,741,000 | 3,479,000 |
| Income tax | 179,000 | 347,000 | 545,000 | 574,000 |
| Net income | 728,000 | 1,409,000 | 2,196,000 | 2,905,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,666,000 | 26,946,000 | 27,734,000 | 28,023,000 |
| Total capital | 29,118,000 | 29,494,000 | 30,304,000 | 30,567,000 |
| Risk-weighted assets | 208,215,000 | 206,996,000 | 202,816,000 | 200,542,000 |