Call reports 2013
LENOX NATIONAL BANK, THE — 2013
What LENOX NATIONAL BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 61,398,000 | 65,573,000 | 66,215,000 | 66,395,000 |
| Total loans | 24,645,000 | 25,949,000 | 25,574,000 | 24,641,000 |
| Allowance for loan losses | 472,000 | 472,000 | 477,000 | 477,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 31,727,000 | 32,126,000 | 33,725,000 | 33,523,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,204,000 | 57,315,000 | 57,891,000 | 58,016,000 |
| Interest-bearing deposits | 43,859,000 | 46,546,000 | 46,085,000 | 47,985,000 |
| Noninterest-bearing deposits | 9,345,000 | 10,769,000 | 11,806,000 | 10,031,000 |
| Equity capital | 8,066,000 | 8,172,000 | 8,260,000 | 8,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 553,000 | 1,113,000 | 1,683,000 | 2,245,000 |
| Interest expense | 85,000 | 167,000 | 251,000 | 331,000 |
| Net interest income | 468,000 | 946,000 | 1,432,000 | 1,914,000 |
| Noninterest income | 30,000 | 64,000 | 94,000 | 121,000 |
| Noninterest expense | 346,000 | 676,000 | 1,047,000 | 1,465,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 5,000 |
| Pretax income | 152,000 | 334,000 | 474,000 | 565,000 |
| Income tax | 51,000 | 103,000 | 155,000 | 207,000 |
| Net income | 101,000 | 231,000 | 319,000 | 358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,066,000 | 8,172,000 | 8,260,000 | 8,250,000 |
| Total capital | 8,408,000 | 8,530,000 | 8,618,000 | 8,607,000 |
| Risk-weighted assets | 27,205,000 | 28,526,000 | 28,469,000 | 28,426,000 |