Call reports 2001
LENOX SAVINGS BANK — 2001
What LENOX SAVINGS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 122,498,000 | 127,027,000 | 129,756,000 | 126,531,000 |
| Total loans | 102,133,000 | 103,377,000 | 101,626,000 | 96,928,000 |
| Allowance for loan losses | 725,000 | 724,000 | 719,000 | 704,000 |
| Securities available for sale | 12,093,000 | 13,953,000 | 17,023,000 | 18,289,000 |
| Securities held to maturity | 66,000 | 65,000 | 65,000 | 64,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,394,000 | 96,205,000 | 97,031,000 | 89,875,000 |
| Interest-bearing deposits | 89,911,000 | 89,000,000 | 89,225,000 | 81,386,000 |
| Noninterest-bearing deposits | 5,483,000 | 7,205,000 | 7,806,000 | 8,489,000 |
| Equity capital | 9,387,000 | 9,557,000 | 9,754,000 | 9,976,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,196,000 | 4,364,000 | 6,501,000 | 8,495,000 |
| Interest expense | 1,262,000 | 2,440,000 | 3,565,000 | 4,542,000 |
| Net interest income | 934,000 | 1,924,000 | 2,936,000 | 3,953,000 |
| Noninterest income | 90,000 | 164,000 | 251,000 | 343,000 |
| Noninterest expense | 754,000 | 1,553,000 | 2,447,000 | 3,205,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 0 |
| Pretax income | 255,000 | 520,000 | 725,000 | 1,091,000 |
| Income tax | 90,000 | 184,000 | 253,000 | 395,000 |
| Net income | 165,000 | 336,000 | 472,000 | 696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,421,000 | 9,601,000 | 9,742,000 | 9,976,000 |
| Total capital | 10,146,000 | 10,325,000 | 10,461,000 | 10,680,000 |
| Risk-weighted assets | 76,427,000 | 82,172,000 | 84,806,000 | 85,983,000 |