Call reports 2021
LAKE-OSCEOLA STATE BANK — 2021
What LAKE-OSCEOLA STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 360,731,000 | 396,717,000 | 399,795,000 | 408,130,000 |
| Total loans | 212,165,000 | 208,452,000 | 204,598,000 | 204,374,000 |
| Allowance for loan losses | 2,849,000 | 2,931,000 | 2,961,000 | 2,964,000 |
| Securities available for sale | 42,601,000 | 66,598,000 | 78,541,000 | 133,149,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 303,606,000 | 327,973,000 | 331,273,000 | 340,509,000 |
| Interest-bearing deposits | 229,352,000 | 233,847,000 | 234,205,000 | 240,821,000 |
| Noninterest-bearing deposits | 74,254,000 | 94,126,000 | 97,068,000 | 99,688,000 |
| Equity capital | 29,073,000 | 41,929,000 | 42,946,000 | 42,436,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,943,000 | 5,856,000 | 9,140,000 | 12,251,000 |
| Interest expense | 364,000 | 699,000 | 980,000 | 1,231,000 |
| Net interest income | 2,579,000 | 5,157,000 | 8,160,000 | 11,020,000 |
| Noninterest income | 500,000 | 1,180,000 | 1,686,000 | 2,156,000 |
| Noninterest expense | 1,952,000 | 4,098,000 | 6,284,000 | 9,031,000 |
| Provision for loan losses | 64,000 | 124,000 | 124,000 | 133,000 |
| Pretax income | 1,063,000 | 2,115,000 | 3,438,000 | 4,012,000 |
| Income tax | 210,000 | 410,000 | 666,000 | 660,000 |
| Net income | 853,000 | 1,705,000 | 2,772,000 | 3,352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,877,000 | 41,308,000 | 42,376,000 | 42,496,000 |
| Total capital | 31,436,000 | 44,026,000 | 45,183,000 | 45,460,000 |
| Risk-weighted assets | 201,558,000 | 214,312,000 | 221,442,000 | 249,068,000 |