Call reports 2023
LAKE-OSCEOLA STATE BANK — 2023
What LAKE-OSCEOLA STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 414,628,000 | 476,775,000 | 439,418,000 | 442,755,000 |
| Total loans | 238,070,000 | 248,577,000 | 256,737,000 | 262,638,000 |
| Allowance for loan losses | 3,513,000 | 3,707,000 | 3,836,000 | 3,830,000 |
| Securities available for sale | 130,413,000 | 128,547,000 | 123,773,000 | 127,562,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 359,037,000 | 414,978,000 | 380,759,000 | 380,879,000 |
| Interest-bearing deposits | 273,838,000 | 324,558,000 | 283,360,000 | 282,860,000 |
| Noninterest-bearing deposits | 85,199,000 | 90,420,000 | 97,399,000 | 98,019,000 |
| Equity capital | 32,712,000 | 32,458,000 | 30,532,000 | 34,902,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,512,000 | 9,482,000 | 14,979,000 | 20,670,000 |
| Interest expense | 813,000 | 1,859,000 | 3,135,000 | 4,619,000 |
| Net interest income | 3,699,000 | 7,623,000 | 11,844,000 | 16,051,000 |
| Noninterest income | 562,000 | 1,140,000 | 1,672,000 | 2,048,000 |
| Noninterest expense | 2,459,000 | 5,126,000 | 8,387,000 | 12,298,000 |
| Provision for loan losses | 28,000 | 223,000 | 335,000 | 332,000 |
| Pretax income | 1,774,000 | 3,414,000 | 4,794,000 | 5,469,000 |
| Income tax | 337,000 | 645,000 | 881,000 | 767,000 |
| Net income | 1,437,000 | 2,769,000 | 3,913,000 | 4,702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,654,000 | 47,446,000 | 48,590,000 | 48,751,000 |
| Total capital | 50,167,000 | 51,153,000 | 52,426,000 | 52,581,000 |
| Risk-weighted assets | 293,598,000 | 307,684,000 | 317,626,000 | 317,118,000 |