Call reports 2014
LENOX NATIONAL BANK, THE — 2014
What LENOX NATIONAL BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 66,679,000 | 66,700,000 | 70,177,000 | 65,887,000 |
| Total loans | 25,567,000 | 25,560,000 | 25,011,000 | 23,730,000 |
| Allowance for loan losses | 477,000 | 482,000 | 463,000 | 518,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 33,123,000 | 34,276,000 | 35,674,000 | 35,741,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,246,000 | 58,210,000 | 61,671,000 | 57,416,000 |
| Interest-bearing deposits | 48,298,000 | 47,548,000 | 49,104,000 | 46,883,000 |
| Noninterest-bearing deposits | 9,948,000 | 10,662,000 | 12,567,000 | 10,533,000 |
| Equity capital | 8,323,000 | 8,359,000 | 8,428,000 | 8,378,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 554,000 | 1,105,000 | 1,647,000 | 2,193,000 |
| Interest expense | 83,000 | 167,000 | 252,000 | 337,000 |
| Net interest income | 471,000 | 938,000 | 1,395,000 | 1,856,000 |
| Noninterest income | 23,000 | 57,000 | 83,000 | 113,000 |
| Noninterest expense | 369,000 | 751,000 | 1,099,000 | 1,547,000 |
| Provision for loan losses | 0 | 5,000 | 20,000 | 75,000 |
| Pretax income | 125,000 | 239,000 | 359,000 | 347,000 |
| Income tax | 52,000 | 105,000 | 157,000 | 145,000 |
| Net income | 73,000 | 134,000 | 202,000 | 202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,323,000 | 8,359,000 | 8,428,000 | 8,378,000 |
| Total capital | 8,682,000 | 8,722,000 | 8,792,000 | 8,729,000 |
| Risk-weighted assets | 28,749,000 | 28,782,000 | 29,104,000 | 27,947,000 |