Call reports 2004
LENOX NATIONAL BANK, THE — 2004
What LENOX NATIONAL BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 47,714,000 | 47,436,000 | 52,850,000 | 54,619,000 |
| Total loans | 22,421,000 | 23,116,000 | 22,387,000 | 23,412,000 |
| Allowance for loan losses | 464,000 | 464,000 | 465,000 | 466,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 19,242,000 | 20,043,000 | 18,643,000 | 18,956,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,917,000 | 41,478,000 | 46,737,000 | 48,428,000 |
| Interest-bearing deposits | 32,752,000 | 31,372,000 | 35,523,000 | 35,749,000 |
| Noninterest-bearing deposits | 9,165,000 | 10,106,000 | 11,214,000 | 12,679,000 |
| Equity capital | 5,692,000 | 5,808,000 | 5,935,000 | 5,971,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 615,000 | 1,227,000 | 1,852,000 | 2,491,000 |
| Interest expense | 144,000 | 284,000 | 430,000 | 585,000 |
| Net interest income | 471,000 | 943,000 | 1,422,000 | 1,906,000 |
| Noninterest income | 20,000 | 53,000 | 76,000 | 95,000 |
| Noninterest expense | 284,000 | 570,000 | 849,000 | 1,196,000 |
| Provision for loan losses | 0 | 0 | 1,000 | 2,000 |
| Pretax income | 207,000 | 426,000 | 648,000 | 803,000 |
| Income tax | 80,000 | 160,000 | 255,000 | 327,000 |
| Net income | 127,000 | 266,000 | 393,000 | 476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,692,000 | 5,808,000 | 5,935,000 | 5,971,000 |
| Total capital | 5,957,000 | 6,082,000 | 6,215,000 | 6,263,000 |
| Risk-weighted assets | 20,967,000 | 21,718,000 | 22,200,000 | 23,176,000 |