Call reports 2002
LAYTON STATE BANK — 2002
What LAYTON STATE BANK 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 | 82,278,000 | 83,664,000 | 87,028,000 | 86,140,000 |
| Total loans | 48,638,000 | 52,773,000 | 52,237,000 | 50,836,000 |
| Allowance for loan losses | 550,000 | 577,000 | 610,000 | 720,000 |
| Securities available for sale | 20,285,000 | 25,708,000 | 24,912,000 | 24,376,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,367,000 | 72,530,000 | 75,434,000 | 74,777,000 |
| Interest-bearing deposits | 61,410,000 | 62,099,000 | 64,377,000 | 64,320,000 |
| Noninterest-bearing deposits | 9,957,000 | 10,431,000 | 11,057,000 | 10,457,000 |
| Equity capital | 6,910,000 | 7,142,000 | 7,480,000 | 7,281,000 |
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 | 1,195,000 | 2,423,000 | 3,641,000 | 4,784,000 |
| Interest expense | 413,000 | 821,000 | 1,233,000 | 1,611,000 |
| Net interest income | 782,000 | 1,602,000 | 2,408,000 | 3,173,000 |
| Noninterest income | 111,000 | 264,000 | 381,000 | 491,000 |
| Noninterest expense | 665,000 | 1,348,000 | 2,019,000 | 2,674,000 |
| Provision for loan losses | 15,000 | 45,000 | 75,000 | 195,000 |
| Pretax income | 213,000 | 473,000 | 695,000 | 798,000 |
| Income tax | 56,000 | 131,000 | 190,000 | 201,000 |
| Net income | 157,000 | 342,000 | 505,000 | 597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,802,000 | 6,824,000 | 6,987,000 | 6,999,000 |
| Total capital | 7,352,000 | 7,401,000 | 7,597,000 | 7,662,000 |
| Risk-weighted assets | 47,605,000 | 51,728,000 | 52,036,000 | 52,334,000 |
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