Call reports 2022
LAKE-OSCEOLA STATE BANK — 2022
What LAKE-OSCEOLA STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 436,258,000 | 412,589,000 | 412,375,000 | 401,813,000 |
| Total loans | 211,084,000 | 214,250,000 | 223,100,000 | 230,217,000 |
| Allowance for loan losses | 2,971,000 | 2,946,000 | 2,948,000 | 2,913,000 |
| Securities available for sale | 123,444,000 | 122,470,000 | 126,032,000 | 129,510,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 375,006,000 | 357,538,000 | 365,845,000 | 348,838,000 |
| Interest-bearing deposits | 266,436,000 | 251,162,000 | 251,493,000 | 246,358,000 |
| Noninterest-bearing deposits | 108,570,000 | 106,376,000 | 114,352,000 | 102,480,000 |
| Equity capital | 36,572,000 | 30,974,000 | 28,620,000 | 29,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,259,000 | 6,650,000 | 10,510,000 | 14,849,000 |
| Interest expense | 231,000 | 450,000 | 658,000 | 951,000 |
| Net interest income | 3,028,000 | 6,200,000 | 9,852,000 | 13,898,000 |
| Noninterest income | 504,000 | 1,074,000 | 1,625,000 | 1,996,000 |
| Noninterest expense | 2,257,000 | 4,711,000 | 7,255,000 | 10,284,000 |
| Provision for loan losses | 5,000 | 9,000 | 14,000 | 18,000 |
| Pretax income | 1,270,000 | 2,554,000 | 4,208,000 | 4,955,000 |
| Income tax | 234,000 | 471,000 | 777,000 | 766,000 |
| Net income | 1,036,000 | 2,083,000 | 3,431,000 | 4,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,532,000 | 44,119,000 | 45,468,000 | 45,683,000 |
| Total capital | 46,503,000 | 47,065,000 | 48,416,000 | 48,596,000 |
| Risk-weighted assets | 260,641,000 | 266,626,000 | 281,012,000 | 286,163,000 |