Call reports 2012
LENOX NATIONAL BANK, THE — 2012
What LENOX NATIONAL BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 61,120,000 | 61,792,000 | 63,446,000 | 62,733,000 |
| Total loans | 25,530,000 | 25,005,000 | 24,946,000 | 24,308,000 |
| Allowance for loan losses | 472,000 | 472,000 | 472,000 | 472,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 27,079,000 | 27,754,000 | 31,064,000 | 31,727,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,215,000 | 53,804,000 | 55,402,000 | 54,672,000 |
| Interest-bearing deposits | 44,800,000 | 44,813,000 | 45,441,000 | 44,353,000 |
| Noninterest-bearing deposits | 8,415,000 | 8,991,000 | 9,961,000 | 10,319,000 |
| Equity capital | 7,774,000 | 7,833,000 | 7,954,000 | 7,965,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 587,000 | 1,164,000 | 1,731,000 | 2,295,000 |
| Interest expense | 113,000 | 222,000 | 327,000 | 422,000 |
| Net interest income | 474,000 | 942,000 | 1,404,000 | 1,873,000 |
| Noninterest income | 24,000 | 60,000 | 96,000 | 139,000 |
| Noninterest expense | 363,000 | 733,000 | 1,075,000 | 1,472,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 135,000 | 269,000 | 425,000 | 540,000 |
| Income tax | 40,000 | 90,000 | 125,000 | 179,000 |
| Net income | 95,000 | 179,000 | 300,000 | 361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,774,000 | 7,833,000 | 7,954,000 | 7,965,000 |
| Total capital | 8,117,000 | 8,169,000 | 8,298,000 | 8,303,000 |
| Risk-weighted assets | 27,294,000 | 26,718,000 | 27,372,000 | 27,050,000 |