Call reports 2003
LAYTON STATE BANK — 2003
What LAYTON STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 86,928,000 | 88,135,000 | 89,936,000 | 89,373,000 |
| Total loans | 54,847,000 | 58,766,000 | 61,205,000 | 61,473,000 |
| Allowance for loan losses | 625,000 | 657,000 | 692,000 | 611,000 |
| Securities available for sale | 22,245,000 | 20,703,000 | 18,736,000 | 18,536,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,529,000 | 76,646,000 | 78,479,000 | 77,938,000 |
| Interest-bearing deposits | 63,993,000 | 65,256,000 | 66,908,000 | 64,959,000 |
| Noninterest-bearing deposits | 11,536,000 | 11,390,000 | 11,571,000 | 12,979,000 |
| Equity capital | 7,384,000 | 7,493,000 | 7,525,000 | 7,528,000 |
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 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,094,000 | 2,235,000 | 3,348,000 | 4,478,000 |
| Interest expense | 318,000 | 636,000 | 959,000 | 1,297,000 |
| Net interest income | 776,000 | 1,599,000 | 2,389,000 | 3,181,000 |
| Noninterest income | 117,000 | 267,000 | 402,000 | 501,000 |
| Noninterest expense | 738,000 | 1,475,000 | 2,241,000 | 2,988,000 |
| Provision for loan losses | 30,000 | 60,000 | 85,000 | 179,000 |
| Pretax income | 125,000 | 331,000 | 465,000 | 515,000 |
| Income tax | 22,000 | 75,000 | 100,000 | 89,000 |
| Net income | 103,000 | 256,000 | 365,000 | 426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,102,000 | 7,215,000 | 7,324,000 | 7,345,000 |
| Total capital | 7,727,000 | 7,872,000 | 8,016,000 | 7,956,000 |
| Risk-weighted assets | 56,730,000 | 60,487,000 | 62,509,000 | 65,636,000 |
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