Call reports 2002
LENOX SAVINGS BANK, THE — 2002
What LENOX SAVINGS BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 61,279,000 | 60,758,000 | 59,373,000 | 60,457,000 |
| Total loans | 47,298,000 | 42,826,000 | 41,128,000 | 40,630,000 |
| Allowance for loan losses | 306,000 | 360,000 | 254,000 | 251,000 |
| Securities available for sale | 6,674,000 | 8,570,000 | 10,524,000 | 11,455,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,934,000 | 31,989,000 | 30,627,000 | 31,602,000 |
| Interest-bearing deposits | 30,815,000 | 30,894,000 | 29,113,000 | 29,139,000 |
| Noninterest-bearing deposits | 1,119,000 | 1,095,000 | 1,514,000 | 2,463,000 |
| Equity capital | 5,637,000 | 5,634,000 | 5,597,000 | 5,629,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,067,000 | 2,073,000 | 3,001,000 | 3,843,000 |
| Interest expense | 605,000 | 1,178,000 | 1,738,000 | 2,272,000 |
| Net interest income | 462,000 | 895,000 | 1,263,000 | 1,571,000 |
| Noninterest income | 111,000 | 203,000 | 302,000 | 471,000 |
| Noninterest expense | 450,000 | 920,000 | 1,462,000 | 1,929,000 |
| Provision for loan losses | 15,000 | 70,000 | 94,000 | 94,000 |
| Pretax income | 108,000 | 108,000 | 9,000 | 35,000 |
| Income tax | 33,000 | 35,000 | 3,000 | 12,000 |
| Net income | 75,000 | 73,000 | 6,000 | 23,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,641,000 | 5,597,000 | 5,512,000 | 5,549,000 |
| Total capital | 5,946,000 | 5,957,000 | 5,766,000 | 5,800,000 |
| Risk-weighted assets | 34,338,000 | 29,660,000 | 28,092,000 | 29,232,000 |