Call reports 2009
LAYTON STATE BANK — 2009
What LAYTON STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 124,851,000 | 131,647,000 | 130,061,000 | 131,752,000 |
| Total loans | 95,682,000 | 97,018,000 | 97,463,000 | 102,766,000 |
| Allowance for loan losses | 1,029,000 | 1,244,000 | 1,236,000 | 1,449,000 |
| Securities available for sale | 17,240,000 | 15,764,000 | 16,007,000 | 16,270,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,971,000 | 113,051,000 | 112,224,000 | 112,035,000 |
| Interest-bearing deposits | 91,221,000 | 97,699,000 | 97,604,000 | 96,684,000 |
| Noninterest-bearing deposits | 14,750,000 | 15,352,000 | 14,620,000 | 15,351,000 |
| Equity capital | 11,712,000 | 11,263,000 | 11,539,000 | 14,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,751,000 | 3,457,000 | 5,185,000 | 6,999,000 |
| Interest expense | 623,000 | 1,264,000 | 1,848,000 | 2,329,000 |
| Net interest income | 1,128,000 | 2,193,000 | 3,337,000 | 4,670,000 |
| Noninterest income | 86,000 | 173,000 | 304,000 | 402,000 |
| Noninterest expense | 1,117,000 | 2,274,000 | 3,369,000 | 4,589,000 |
| Provision for loan losses | 290,000 | 700,000 | 730,000 | 1,280,000 |
| Pretax income | -193,000 | -608,000 | -458,000 | -797,000 |
| Income tax | 0 | 0 | 0 | -354,000 |
| Net income | -193,000 | -608,000 | -458,000 | -443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,188,000 | 11,774,000 | 11,863,000 | 14,786,000 |
| Total capital | 13,217,000 | 13,018,000 | 13,099,000 | 16,110,000 |
| Risk-weighted assets | 99,843,000 | 102,581,000 | 102,234,000 | 105,796,000 |