Call reports 2025
LAKE-OSCEOLA STATE BANK — 2025
What LAKE-OSCEOLA STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 451,202,000 | 447,157,000 | 453,341,000 | 465,668,000 |
| Total loans | 263,300,000 | 254,752,000 | 254,170,000 | 258,013,000 |
| Allowance for loan losses | 5,042,000 | 3,457,000 | 3,450,000 | 3,433,000 |
| Securities available for sale | 121,598,000 | 120,754,000 | 120,304,000 | 125,977,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 388,391,000 | 379,615,000 | 381,911,000 | 393,575,000 |
| Interest-bearing deposits | 302,917,000 | 293,723,000 | 289,104,000 | 297,886,000 |
| Noninterest-bearing deposits | 85,474,000 | 85,892,000 | 92,807,000 | 95,689,000 |
| Equity capital | 39,944,000 | 43,800,000 | 47,546,000 | 48,796,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,878,000 | 11,763,000 | 17,946,000 | 23,972,000 |
| Interest expense | 1,644,000 | 3,205,000 | 4,742,000 | 6,264,000 |
| Net interest income | 4,234,000 | 8,558,000 | 13,204,000 | 17,708,000 |
| Noninterest income | 555,000 | 1,143,000 | 1,746,000 | 1,936,000 |
| Noninterest expense | 3,107,000 | 6,170,000 | 9,143,000 | 12,686,000 |
| Provision for loan losses | -114,000 | -4,058,000 | -4,043,000 | -4,011,000 |
| Pretax income | 1,796,000 | 5,009,000 | 7,270,000 | 8,019,000 |
| Income tax | 329,000 | 959,000 | 1,387,000 | 1,094,000 |
| Net income | 1,467,000 | 4,050,000 | 5,883,000 | 6,925,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,264,000 | 53,662,000 | 55,426,000 | 55,806,000 |
| Total capital | 56,209,000 | 57,119,000 | 58,876,000 | 59,239,000 |
| Risk-weighted assets | 314,505,000 | 299,581,000 | 296,388,000 | 300,965,000 |