Call reports 2008
LAYTON STATE BANK — 2008
What LAYTON STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 115,691,000 | 116,477,000 | 117,018,000 | 122,071,000 |
| Total loans | 90,479,000 | 91,130,000 | 91,809,000 | 96,160,000 |
| Allowance for loan losses | 851,000 | 905,000 | 764,000 | 738,000 |
| Securities available for sale | 17,671,000 | 17,524,000 | 17,507,000 | 17,294,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,822,000 | 99,717,000 | 99,234,000 | 98,826,000 |
| Interest-bearing deposits | 84,388,000 | 84,811,000 | 84,660,000 | 83,890,000 |
| Noninterest-bearing deposits | 14,434,000 | 14,906,000 | 14,574,000 | 14,936,000 |
| Equity capital | 12,586,000 | 12,535,000 | 12,427,000 | 11,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,799,000 | 3,566,000 | 5,376,000 | 7,118,000 |
| Interest expense | 781,000 | 1,497,000 | 2,187,000 | 2,836,000 |
| Net interest income | 1,018,000 | 2,069,000 | 3,189,000 | 4,282,000 |
| Noninterest income | 88,000 | 183,000 | 271,000 | 273,000 |
| Noninterest expense | 962,000 | 1,943,000 | 2,979,000 | 4,050,000 |
| Provision for loan losses | 15,000 | 45,000 | 285,000 | 345,000 |
| Pretax income | 129,000 | 264,000 | 196,000 | 160,000 |
| Income tax | 27,000 | 43,000 | -5,000 | 0 |
| Net income | 102,000 | 221,000 | 201,000 | 160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,606,000 | 12,727,000 | 12,582,000 | 12,461,000 |
| Total capital | 13,457,000 | 13,632,000 | 13,346,000 | 13,199,000 |
| Risk-weighted assets | 99,097,000 | 98,938,000 | 94,647,000 | 98,969,000 |