Call reports 2015
LENOX NATIONAL BANK, THE — 2015
What LENOX NATIONAL BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Total assets | 65,061,000 | 66,613,000 | 64,690,000 |
| Total loans | 24,015,000 | 23,806,000 | 22,935,000 |
| Allowance for loan losses | 470,000 | 398,000 | 359,000 |
| Securities available for sale | 0 | 0 | 0 |
| Securities held to maturity | 34,712,000 | 32,368,000 | 29,625,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 56,559,000 | 58,143,000 | 56,314,000 |
| Interest-bearing deposits | 45,908,000 | 46,022,000 | 45,322,000 |
| Noninterest-bearing deposits | 10,651,000 | 12,121,000 | 10,992,000 |
| Equity capital | 8,429,000 | 8,383,000 | 8,341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Interest income | 521,000 | 1,042,000 | 1,564,000 |
| Interest expense | 83,000 | 171,000 | 260,000 |
| Net interest income | 438,000 | 871,000 | 1,304,000 |
| Noninterest income | 20,000 | 55,000 | 80,000 |
| Noninterest expense | 381,000 | 818,000 | 1,300,000 |
| Provision for loan losses | 0 | 0 | -30,000 |
| Pretax income | 77,000 | 108,000 | 114,000 |
| Income tax | 39,000 | 92,000 | 139,000 |
| Net income | 38,000 | 16,000 | -25,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Tier 1 capital | 8,429,000 | 8,383,000 | 8,341,000 |
| Total capital | 8,782,000 | 8,733,000 | 8,680,000 |
| Risk-weighted assets | 28,127,000 | 27,941,000 | 27,023,000 |