Call reports 2010
LENOX NATIONAL BANK, THE — 2010
What LENOX NATIONAL BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 55,194,000 | 53,967,000 | 55,658,000 | 54,562,000 |
| Total loans | 27,020,000 | 27,171,000 | 26,449,000 | 25,654,000 |
| Allowance for loan losses | 453,000 | 453,000 | 453,000 | 462,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 24,220,000 | 23,293,000 | 23,323,000 | 24,622,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,804,000 | 46,366,000 | 47,970,000 | 46,800,000 |
| Interest-bearing deposits | 40,927,000 | 38,618,000 | 40,209,000 | 39,142,000 |
| Noninterest-bearing deposits | 6,877,000 | 7,748,000 | 7,761,000 | 7,658,000 |
| Equity capital | 7,250,000 | 7,312,000 | 7,409,000 | 7,394,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 648,000 | 1,275,000 | 1,884,000 | 2,480,000 |
| Interest expense | 172,000 | 334,000 | 481,000 | 616,000 |
| Net interest income | 476,000 | 941,000 | 1,403,000 | 1,864,000 |
| Noninterest income | 23,000 | 55,000 | 80,000 | 109,000 |
| Noninterest expense | 352,000 | 711,000 | 1,055,000 | 1,459,000 |
| Provision for loan losses | 0 | 0 | 0 | 9,000 |
| Pretax income | 147,000 | 285,000 | 428,000 | 506,000 |
| Income tax | 53,000 | 105,000 | 151,000 | 194,000 |
| Net income | 94,000 | 180,000 | 277,000 | 312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,250,000 | 7,312,000 | 7,409,000 | 7,394,000 |
| Total capital | 7,574,000 | 7,635,000 | 7,732,000 | 7,708,000 |
| Risk-weighted assets | 25,785,000 | 25,721,000 | 25,671,000 | 24,903,000 |