Call reports 2006
LAYTON STATE BANK — 2006
What LAYTON STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 93,162,000 | 98,659,000 | 102,441,000 | 103,497,000 |
| Total loans | 68,277,000 | 76,618,000 | 77,065,000 | 75,625,000 |
| Allowance for loan losses | 720,000 | 857,000 | 857,000 | 857,000 |
| Securities available for sale | 15,754,000 | 15,536,000 | 15,502,000 | 15,632,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,506,000 | 83,362,000 | 86,464,000 | 88,370,000 |
| Interest-bearing deposits | 65,377,000 | 69,872,000 | 72,823,000 | 73,201,000 |
| Noninterest-bearing deposits | 13,129,000 | 13,490,000 | 13,641,000 | 15,169,000 |
| Equity capital | 8,576,000 | 8,677,000 | 9,052,000 | 9,261,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,409,000 | 3,013,000 | 4,762,000 | 6,547,000 |
| Interest expense | 448,000 | 986,000 | 1,611,000 | 2,276,000 |
| Net interest income | 961,000 | 2,027,000 | 3,151,000 | 4,271,000 |
| Noninterest income | 110,000 | 240,000 | 346,000 | 465,000 |
| Noninterest expense | 833,000 | 1,706,000 | 2,556,000 | 3,438,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 238,000 | 561,000 | 941,000 | 1,298,000 |
| Income tax | 70,000 | 173,000 | 299,000 | 297,000 |
| Net income | 168,000 | 388,000 | 642,000 | 1,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,693,000 | 8,832,000 | 9,086,000 | 9,325,000 |
| Total capital | 9,413,000 | 9,689,000 | 9,943,000 | 10,182,000 |
| Risk-weighted assets | 75,798,000 | 90,406,000 | 88,246,000 | 83,148,000 |
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