Call reports 2024
LAKE-OSCEOLA STATE BANK — 2024
What LAKE-OSCEOLA STATE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 441,819,000 | 443,207,000 | 449,919,000 | 456,833,000 |
| Total loans | 264,737,000 | 272,633,000 | 274,134,000 | 267,015,000 |
| Allowance for loan losses | 3,834,000 | 3,834,000 | 5,405,000 | 5,196,000 |
| Securities available for sale | 125,681,000 | 123,896,000 | 127,579,000 | 122,641,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 378,712,000 | 378,830,000 | 383,649,000 | 392,403,000 |
| Interest-bearing deposits | 293,877,000 | 290,269,000 | 290,480,000 | 301,951,000 |
| Noninterest-bearing deposits | 84,835,000 | 88,561,000 | 93,169,000 | 90,452,000 |
| Equity capital | 36,547,000 | 37,871,000 | 39,646,000 | 37,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 5,761,000 | 11,791,000 | 18,512,000 | 24,581,000 |
| Interest expense | 1,601,000 | 3,263,000 | 5,029,000 | 6,852,000 |
| Net interest income | 4,160,000 | 8,528,000 | 13,483,000 | 17,729,000 |
| Noninterest income | 560,000 | 1,194,000 | 1,797,000 | 2,128,000 |
| Noninterest expense | 2,879,000 | 5,846,000 | 8,890,000 | 12,369,000 |
| Provision for loan losses | 19,000 | 73,000 | 3,975,000 | 3,781,000 |
| Pretax income | 1,822,000 | 3,803,000 | 2,415,000 | 3,707,000 |
| Income tax | 335,000 | 703,000 | 361,000 | 389,000 |
| Net income | 1,487,000 | 3,100,000 | 2,054,000 | 3,318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,247,000 | 51,239,000 | 49,670,000 | 50,798,000 |
| Total capital | 54,082,000 | 55,073,000 | 53,718,000 | 54,782,000 |
| Risk-weighted assets | 318,834,000 | 323,887,000 | 322,558,000 | 317,489,000 |