Call reports 2005
LAYTON STATE BANK — 2005
What LAYTON STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 89,365,000 | 90,411,000 | 91,581,000 | 91,699,000 |
| Total loans | 67,337,000 | 62,872,000 | 64,361,000 | 65,127,000 |
| Allowance for loan losses | 837,000 | 867,000 | 856,000 | 720,000 |
| Securities available for sale | 15,104,000 | 15,209,000 | 16,485,000 | 16,037,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,200,000 | 76,631,000 | 77,330,000 | 78,053,000 |
| Interest-bearing deposits | 63,123,000 | 64,545,000 | 64,088,000 | 63,847,000 |
| Noninterest-bearing deposits | 12,077,000 | 12,086,000 | 13,242,000 | 14,206,000 |
| Equity capital | 8,078,000 | 8,213,000 | 8,396,000 | 8,440,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,217,000 | 2,504,000 | 3,849,000 | 5,239,000 |
| Interest expense | 294,000 | 640,000 | 1,026,000 | 1,451,000 |
| Net interest income | 923,000 | 1,864,000 | 2,823,000 | 3,788,000 |
| Noninterest income | 95,000 | 193,000 | 298,000 | 416,000 |
| Noninterest expense | 789,000 | 1,545,000 | 2,301,000 | 3,103,000 |
| Provision for loan losses | 45,000 | 75,000 | 75,000 | 75,000 |
| Pretax income | 213,000 | 486,000 | 795,000 | 1,076,000 |
| Income tax | 53,000 | 139,000 | 234,000 | 325,000 |
| Net income | 160,000 | 347,000 | 561,000 | 751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,052,000 | 8,180,000 | 8,394,000 | 8,524,000 |
| Total capital | 8,878,000 | 9,014,000 | 9,250,000 | 9,243,000 |
| Risk-weighted assets | 66,054,000 | 66,664,000 | 68,761,000 | 69,705,000 |
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