Call reports 2002
LENOX NATIONAL BANK, THE — 2002
What LENOX NATIONAL BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 42,620,000 | 44,459,000 | 45,234,000 | 47,906,000 |
| Total loans | 23,194,000 | 22,772,000 | 21,882,000 | 22,265,000 |
| Allowance for loan losses | 464,000 | 460,000 | 460,000 | 459,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,141,000 | 12,541,000 | 14,340,000 | 14,341,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,519,000 | 39,237,000 | 39,947,000 | 42,560,000 |
| Interest-bearing deposits | 29,585,000 | 31,386,000 | 31,844,000 | 33,859,000 |
| Noninterest-bearing deposits | 7,934,000 | 7,851,000 | 8,103,000 | 8,701,000 |
| Equity capital | 4,975,000 | 5,067,000 | 5,168,000 | 5,203,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 587,000 | 1,204,000 | 1,836,000 | 2,479,000 |
| Interest expense | 259,000 | 507,000 | 742,000 | 972,000 |
| Net interest income | 328,000 | 697,000 | 1,094,000 | 1,507,000 |
| Noninterest income | 23,000 | 59,000 | 84,000 | 109,000 |
| Noninterest expense | 222,000 | 451,000 | 684,000 | 969,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 131,000 | 307,000 | 496,000 | 649,000 |
| Income tax | 40,000 | 102,000 | 190,000 | 265,000 |
| Net income | 91,000 | 205,000 | 306,000 | 384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,975,000 | 5,067,000 | 5,168,000 | 5,203,000 |
| Total capital | 5,237,000 | 5,324,000 | 5,426,000 | 5,471,000 |
| Risk-weighted assets | 20,727,000 | 20,389,000 | 20,450,000 | 21,223,000 |