Call reports 2006
LENOX NATIONAL BANK, THE — 2006
What LENOX NATIONAL BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 53,344,000 | 49,323,000 | 50,984,000 | 50,964,000 |
| Total loans | 26,030,000 | 26,046,000 | 25,894,000 | 26,008,000 |
| Allowance for loan losses | 472,000 | 472,000 | 472,000 | 472,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 20,111,000 | 20,112,000 | 20,112,000 | 20,188,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,681,000 | 40,562,000 | 40,119,000 | 40,133,000 |
| Interest-bearing deposits | 35,232,000 | 31,477,000 | 30,960,000 | 29,815,000 |
| Noninterest-bearing deposits | 8,449,000 | 9,085,000 | 9,159,000 | 10,318,000 |
| Equity capital | 6,517,000 | 6,564,000 | 6,688,000 | 6,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 679,000 | 1,375,000 | 2,081,000 | 2,792,000 |
| Interest expense | 191,000 | 429,000 | 687,000 | 976,000 |
| Net interest income | 488,000 | 946,000 | 1,394,000 | 1,816,000 |
| Noninterest income | 28,000 | 60,000 | 85,000 | 106,000 |
| Noninterest expense | 326,000 | 656,000 | 977,000 | 1,343,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 190,000 | 350,000 | 502,000 | 579,000 |
| Income tax | 75,000 | 163,000 | 192,000 | 209,000 |
| Net income | 115,000 | 187,000 | 310,000 | 370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,517,000 | 6,564,000 | 6,688,000 | 6,698,000 |
| Total capital | 6,825,000 | 6,862,000 | 6,989,000 | 6,994,000 |
| Risk-weighted assets | 24,444,000 | 23,656,000 | 23,930,000 | 23,495,000 |