Call reports 2004
LAYTON STATE BANK — 2004
What LAYTON STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 89,630,000 | 90,999,000 | 93,693,000 | 90,659,000 |
| Total loans | 62,651,000 | 65,501,000 | 65,439,000 | 64,138,000 |
| Allowance for loan losses | 642,000 | 702,000 | 763,000 | 794,000 |
| Securities available for sale | 18,549,000 | 18,109,000 | 18,060,000 | 17,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,902,000 | 79,409,000 | 79,671,000 | 76,588,000 |
| Interest-bearing deposits | 64,791,000 | 66,112,000 | 66,858,000 | 63,555,000 |
| Noninterest-bearing deposits | 12,111,000 | 13,297,000 | 12,813,000 | 13,033,000 |
| Equity capital | 7,766,000 | 7,620,000 | 7,913,000 | 7,995,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,132,000 | 2,288,000 | 3,512,000 | 4,756,000 |
| Interest expense | 308,000 | 606,000 | 886,000 | 1,180,000 |
| Net interest income | 824,000 | 1,682,000 | 2,626,000 | 3,576,000 |
| Noninterest income | 113,000 | 258,000 | 332,000 | 440,000 |
| Noninterest expense | 730,000 | 1,471,000 | 2,225,000 | 2,964,000 |
| Provision for loan losses | 30,000 | 90,000 | 150,000 | 180,000 |
| Pretax income | 177,000 | 379,000 | 583,000 | 872,000 |
| Income tax | 39,000 | 87,000 | 139,000 | 224,000 |
| Net income | 138,000 | 292,000 | 444,000 | 648,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,484,000 | 7,597,000 | 7,749,000 | 7,893,000 |
| Total capital | 8,126,000 | 8,299,000 | 8,512,000 | 8,687,000 |
| Risk-weighted assets | 66,180,000 | 67,665,000 | 67,445,000 | 66,893,000 |
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