Call reports 2009
LENOX NATIONAL BANK, THE — 2009
What LENOX NATIONAL BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 54,544,000 | 55,555,000 | 56,148,000 | 55,789,000 |
| Total loans | 26,150,000 | 26,109,000 | 26,040,000 | 26,137,000 |
| Allowance for loan losses | 472,000 | 453,000 | 453,000 | 453,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 22,314,000 | 23,797,000 | 25,095,000 | 24,960,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,416,000 | 48,352,000 | 48,919,000 | 48,485,000 |
| Interest-bearing deposits | 38,978,000 | 39,984,000 | 40,704,000 | 40,344,000 |
| Noninterest-bearing deposits | 8,438,000 | 8,368,000 | 8,215,000 | 8,141,000 |
| Equity capital | 7,063,000 | 7,109,000 | 7,151,000 | 7,156,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 633,000 | 1,262,000 | 1,913,000 | 2,569,000 |
| Interest expense | 262,000 | 510,000 | 754,000 | 955,000 |
| Net interest income | 371,000 | 752,000 | 1,159,000 | 1,614,000 |
| Noninterest income | 21,000 | 51,000 | 74,000 | 98,000 |
| Noninterest expense | 340,000 | 692,000 | 1,016,000 | 1,395,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 52,000 | 111,000 | 217,000 | 318,000 |
| Income tax | 19,000 | 32,000 | 72,000 | 118,000 |
| Net income | 33,000 | 79,000 | 145,000 | 200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,063,000 | 7,109,000 | 7,151,000 | 7,156,000 |
| Total capital | 7,371,000 | 7,422,000 | 7,469,000 | 7,474,000 |
| Risk-weighted assets | 24,468,000 | 24,868,000 | 25,264,000 | 25,307,000 |