Call reports 2008
LENOX NATIONAL BANK, THE — 2008
What LENOX NATIONAL BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 49,404,000 | 51,130,000 | 53,093,000 | 53,325,000 |
| Total loans | 26,826,000 | 26,800,000 | 26,485,000 | 26,776,000 |
| Allowance for loan losses | 472,000 | 472,000 | 472,000 | 472,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,964,000 | 17,859,000 | 18,060,000 | 17,745,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,400,000 | 44,059,000 | 45,990,000 | 46,191,000 |
| Interest-bearing deposits | 33,658,000 | 34,820,000 | 36,785,000 | 37,778,000 |
| Noninterest-bearing deposits | 8,742,000 | 9,239,000 | 9,205,000 | 8,413,000 |
| Equity capital | 6,900,000 | 6,972,000 | 7,027,000 | 7,030,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 687,000 | 1,361,000 | 2,041,000 | 2,710,000 |
| Interest expense | 333,000 | 629,000 | 909,000 | 1,199,000 |
| Net interest income | 354,000 | 732,000 | 1,132,000 | 1,511,000 |
| Noninterest income | 21,000 | 54,000 | 77,000 | 101,000 |
| Noninterest expense | 324,000 | 639,000 | 933,000 | 1,252,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 51,000 | 148,000 | 277,000 | 361,000 |
| Income tax | 16,000 | 40,000 | 90,000 | 121,000 |
| Net income | 35,000 | 108,000 | 187,000 | 240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,900,000 | 6,972,000 | 7,027,000 | 7,030,000 |
| Total capital | 7,196,000 | 7,277,000 | 7,332,000 | 7,338,000 |
| Risk-weighted assets | 23,522,000 | 24,201,000 | 24,255,000 | 24,448,000 |