Call reports 2011
LENOX NATIONAL BANK, THE — 2011
What LENOX NATIONAL BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 55,304,000 | 56,894,000 | 60,738,000 | 60,029,000 |
| Total loans | 26,075,000 | 26,140,000 | 25,323,000 | 24,988,000 |
| Allowance for loan losses | 462,000 | 472,000 | 472,000 | 472,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 24,947,000 | 24,623,000 | 25,733,000 | 27,259,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,645,000 | 49,176,000 | 52,966,000 | 52,231,000 |
| Interest-bearing deposits | 40,582,000 | 40,554,000 | 43,608,000 | 43,541,000 |
| Noninterest-bearing deposits | 7,063,000 | 8,622,000 | 9,358,000 | 8,690,000 |
| Equity capital | 7,487,000 | 7,571,000 | 7,688,000 | 7,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 590,000 | 1,182,000 | 1,772,000 | 2,353,000 |
| Interest expense | 123,000 | 239,000 | 363,000 | 478,000 |
| Net interest income | 467,000 | 943,000 | 1,409,000 | 1,875,000 |
| Noninterest income | 20,000 | 52,000 | 81,000 | 114,000 |
| Noninterest expense | 345,000 | 682,000 | 1,012,000 | 1,429,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 10,000 |
| Pretax income | 142,000 | 308,000 | 473,000 | 555,000 |
| Income tax | 49,000 | 107,000 | 155,000 | 196,000 |
| Net income | 93,000 | 201,000 | 318,000 | 359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,487,000 | 7,571,000 | 7,688,000 | 7,679,000 |
| Total capital | 7,807,000 | 7,896,000 | 8,020,000 | 8,006,000 |
| Risk-weighted assets | 25,442,000 | 25,857,000 | 25,995,000 | 26,004,000 |