Call reports 2003
LENOX SAVINGS BANK, THE — 2003
What LENOX SAVINGS BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Total assets | 56,657,000 | 55,826,000 | 55,201,000 |
| Total loans | 38,172,000 | 37,337,000 | 36,701,000 |
| Allowance for loan losses | 210,000 | 363,000 | 365,000 |
| Securities available for sale | 9,630,000 | 9,881,000 | 11,745,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 27,990,000 | 27,640,000 | 27,316,000 |
| Interest-bearing deposits | 26,552,000 | 26,427,000 | 25,713,000 |
| Noninterest-bearing deposits | 1,438,000 | 1,212,000 | 1,603,000 |
| Equity capital | 5,610,000 | 5,376,000 | 5,019,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Interest income | 854,000 | 1,584,000 | 2,293,000 |
| Interest expense | 498,000 | 977,000 | 1,461,000 |
| Net interest income | 356,000 | 607,000 | 832,000 |
| Noninterest income | 121,000 | 201,000 | 240,000 |
| Noninterest expense | 462,000 | 911,000 | 1,362,000 |
| Provision for loan losses | 24,000 | 280,000 | 310,000 |
| Pretax income | 3,000 | -371,000 | -588,000 |
| Income tax | 1,000 | -126,000 | -200,000 |
| Net income | 2,000 | -245,000 | -388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Tier 1 capital | 5,549,000 | 5,302,000 | 5,161,000 |
| Total capital | 5,759,000 | 5,652,000 | 5,511,000 |
| Risk-weighted assets | 28,849,000 | 28,032,000 | 28,321,000 |