Call reports 2007
LAYTON STATE BANK — 2007
What LAYTON STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 105,957,000 | 106,395,000 | 109,759,000 | 116,223,000 |
| Total loans | 74,248,000 | 76,283,000 | 80,402,000 | 88,553,000 |
| Allowance for loan losses | 902,000 | 805,000 | 763,000 | 856,000 |
| Securities available for sale | 14,801,000 | 14,854,000 | 15,635,000 | 17,321,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,886,000 | 91,764,000 | 95,811,000 | 99,134,000 |
| Interest-bearing deposits | 75,643,000 | 78,651,000 | 81,176,000 | 82,234,000 |
| Noninterest-bearing deposits | 15,243,000 | 13,113,000 | 14,635,000 | 16,900,000 |
| Equity capital | 9,375,000 | 9,382,000 | 9,594,000 | 12,693,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,658,000 | 3,450,000 | 5,319,000 | 7,251,000 |
| Interest expense | 680,000 | 1,417,000 | 2,203,000 | 3,027,000 |
| Net interest income | 978,000 | 2,033,000 | 3,116,000 | 4,224,000 |
| Noninterest income | 108,000 | 209,000 | 288,000 | 375,000 |
| Noninterest expense | 938,000 | 1,862,000 | 2,751,000 | 3,753,000 |
| Provision for loan losses | 45,000 | 75,000 | 90,000 | 290,000 |
| Pretax income | 103,000 | 305,000 | 563,000 | 556,000 |
| Income tax | 22,000 | 78,000 | 152,000 | 2,000 |
| Net income | 81,000 | 227,000 | 411,000 | 554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,406,000 | 9,551,000 | 9,640,000 | 12,683,000 |
| Total capital | 10,308,000 | 10,356,000 | 10,403,000 | 13,539,000 |
| Risk-weighted assets | 82,661,000 | 84,543,000 | 87,612,000 | 96,075,000 |