Call reports 2007
LENOX NATIONAL BANK, THE — 2007
What LENOX NATIONAL BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 50,138,000 | 51,114,000 | 51,193,000 | 51,221,000 |
| Total loans | 25,735,000 | 26,474,000 | 26,601,000 | 25,962,000 |
| Allowance for loan losses | 472,000 | 472,000 | 472,000 | 472,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 20,188,000 | 20,188,000 | 20,389,000 | 20,395,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,271,000 | 41,228,000 | 41,260,000 | 41,245,000 |
| Interest-bearing deposits | 30,959,000 | 31,710,000 | 32,661,000 | 32,007,000 |
| Noninterest-bearing deposits | 8,312,000 | 9,518,000 | 8,599,000 | 9,238,000 |
| Equity capital | 6,748,000 | 6,781,000 | 6,851,000 | 6,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 695,000 | 1,412,000 | 2,160,000 | 2,886,000 |
| Interest expense | 310,000 | 628,000 | 963,000 | 1,300,000 |
| Net interest income | 385,000 | 784,000 | 1,197,000 | 1,586,000 |
| Noninterest income | 19,000 | 51,000 | 75,000 | 96,000 |
| Noninterest expense | 333,000 | 664,000 | 987,000 | 1,315,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 71,000 | 171,000 | 285,000 | 367,000 |
| Income tax | 21,000 | 64,000 | 107,000 | 128,000 |
| Net income | 50,000 | 107,000 | 178,000 | 239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,748,000 | 6,781,000 | 6,851,000 | 6,863,000 |
| Total capital | 7,040,000 | 7,080,000 | 7,150,000 | 7,160,000 |
| Risk-weighted assets | 23,177,000 | 23,728,000 | 23,673,000 | 23,567,000 |