Call reports 2003
LENOX NATIONAL BANK, THE — 2003
What LENOX NATIONAL BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 47,147,000 | 50,847,000 | 50,602,000 | 50,883,000 |
| Total loans | 22,274,000 | 21,554,000 | 20,548,000 | 21,686,000 |
| Allowance for loan losses | 460,000 | 463,000 | 464,000 | 464,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 15,292,000 | 15,694,000 | 20,193,000 | 20,953,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,694,000 | 45,319,000 | 44,927,000 | 45,157,000 |
| Interest-bearing deposits | 34,031,000 | 37,085,000 | 35,482,000 | 35,639,000 |
| Noninterest-bearing deposits | 7,663,000 | 8,234,000 | 9,445,000 | 9,518,000 |
| Equity capital | 5,317,000 | 5,416,000 | 5,554,000 | 5,565,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 615,000 | 1,224,000 | 1,838,000 | 2,440,000 |
| Interest expense | 209,000 | 406,000 | 576,000 | 733,000 |
| Net interest income | 406,000 | 818,000 | 1,262,000 | 1,707,000 |
| Noninterest income | 22,000 | 51,000 | 75,000 | 94,000 |
| Noninterest expense | 242,000 | 486,000 | 735,000 | 1,082,000 |
| Provision for loan losses | 1,000 | 4,000 | 5,000 | 5,000 |
| Pretax income | 186,000 | 380,000 | 598,000 | 715,000 |
| Income tax | 72,000 | 145,000 | 225,000 | 286,000 |
| Net income | 114,000 | 235,000 | 373,000 | 429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,317,000 | 5,416,000 | 5,554,000 | 5,565,000 |
| Total capital | 5,582,000 | 5,689,000 | 5,817,000 | 5,835,000 |
| Risk-weighted assets | 21,032,000 | 21,641,000 | 20,821,000 | 21,399,000 |