Call reports 2001
LENOX NATIONAL BANK, THE — 2001
What LENOX NATIONAL BANK, THE 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 | 37,797,000 | 38,909,000 | 39,477,000 | 42,065,000 |
| Total loans | 21,585,000 | 22,061,000 | 22,632,000 | 24,272,000 |
| Allowance for loan losses | 471,000 | 464,000 | 464,000 | 464,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,537,000 | 8,138,000 | 7,539,000 | 7,739,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,889,000 | 33,905,000 | 34,427,000 | 36,990,000 |
| Interest-bearing deposits | 26,521,000 | 27,010,000 | 27,709,000 | 27,857,000 |
| Noninterest-bearing deposits | 6,368,000 | 6,895,000 | 6,718,000 | 9,133,000 |
| Equity capital | 4,710,000 | 4,797,000 | 4,875,000 | 4,884,000 |
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 | 667,000 | 1,315,000 | 1,958,000 | 2,592,000 |
| Interest expense | 313,000 | 631,000 | 940,000 | 1,229,000 |
| Net interest income | 354,000 | 684,000 | 1,018,000 | 1,363,000 |
| Noninterest income | 25,000 | 59,000 | 85,000 | 112,000 |
| Noninterest expense | 210,000 | 427,000 | 660,000 | 921,000 |
| Provision for loan losses | 3,000 | 6,000 | 6,000 | 6,000 |
| Pretax income | 166,000 | 310,000 | 438,000 | 551,000 |
| Income tax | 55,000 | 100,000 | 150,000 | 211,000 |
| Net income | 111,000 | 220,000 | 298,000 | 350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,710,000 | 4,797,000 | 4,875,000 | 4,884,000 |
| Total capital | 4,949,000 | 5,039,000 | 5,126,000 | 5,142,000 |
| Risk-weighted assets | 18,629,000 | 19,121,000 | 19,860,000 | 20,469,000 |