Call reports 2005
LENOX NATIONAL BANK, THE — 2005
What LENOX NATIONAL BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 49,672,000 | 52,417,000 | 47,881,000 | 49,362,000 |
| Total loans | 23,281,000 | 24,008,000 | 24,552,000 | 25,587,000 |
| Allowance for loan losses | 467,000 | 468,000 | 470,000 | 472,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 18,706,000 | 18,709,000 | 20,110,000 | 20,110,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,444,000 | 46,062,000 | 41,421,000 | 42,868,000 |
| Interest-bearing deposits | 34,201,000 | 35,574,000 | 30,949,000 | 32,399,000 |
| Noninterest-bearing deposits | 9,243,000 | 10,488,000 | 10,472,000 | 10,469,000 |
| Equity capital | 6,116,000 | 6,234,000 | 6,372,000 | 6,402,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 637,000 | 1,289,000 | 1,968,000 | 2,637,000 |
| Interest expense | 152,000 | 312,000 | 477,000 | 645,000 |
| Net interest income | 485,000 | 977,000 | 1,491,000 | 1,992,000 |
| Noninterest income | 20,000 | 52,000 | 75,000 | 97,000 |
| Noninterest expense | 275,000 | 567,000 | 873,000 | 1,245,000 |
| Provision for loan losses | 1,000 | 2,000 | 4,000 | 6,000 |
| Pretax income | 230,000 | 461,000 | 690,000 | 839,000 |
| Income tax | 85,000 | 175,000 | 265,000 | 335,000 |
| Net income | 145,000 | 286,000 | 425,000 | 504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,116,000 | 6,234,000 | 6,372,000 | 6,402,000 |
| Total capital | 6,398,000 | 6,520,000 | 6,649,000 | 6,695,000 |
| Risk-weighted assets | 22,237,000 | 22,860,000 | 21,991,000 | 23,262,000 |