Call reports 2001
LENOX SAVINGS BANK, THE — 2001
What LENOX SAVINGS BANK, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 70,315,000 | 66,659,000 | 65,007,000 | 63,002,000 |
| Total loans | 56,127,000 | 56,118,000 | 53,680,000 | 51,435,000 |
| Allowance for loan losses | 136,000 | 307,000 | 291,000 | 293,000 |
| Securities available for sale | 6,582,000 | 6,036,000 | 5,449,000 | 4,336,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,502,000 | 35,232,000 | 33,647,000 | 33,749,000 |
| Interest-bearing deposits | 35,430,000 | 34,197,000 | 32,043,000 | 32,327,000 |
| Noninterest-bearing deposits | 1,072,000 | 1,035,000 | 1,604,000 | 1,422,000 |
| Equity capital | 4,853,000 | 4,762,000 | 5,606,000 | 5,616,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,298,000 | 2,550,000 | 3,716,000 | 4,783,000 |
| Interest expense | 869,000 | 1,681,000 | 2,446,000 | 3,099,000 |
| Net interest income | 429,000 | 869,000 | 1,270,000 | 1,684,000 |
| Noninterest income | 108,000 | 314,000 | 485,000 | 685,000 |
| Noninterest expense | 398,000 | 930,000 | 1,413,000 | 1,982,000 |
| Provision for loan losses | 9,000 | 246,000 | 238,000 | 247,000 |
| Pretax income | 141,000 | 18,000 | 79,000 | 115,000 |
| Income tax | 48,000 | 6,000 | 26,000 | 35,000 |
| Net income | 93,000 | 12,000 | 53,000 | 80,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,893,000 | 4,755,000 | 5,519,000 | 5,592,000 |
| Total capital | 5,029,000 | 5,062,000 | 5,810,000 | 5,885,000 |
| Risk-weighted assets | 39,090,000 | 36,398,000 | 35,008,000 | 34,545,000 |