Call reports 2010
LAYTON STATE BANK — 2010
What LAYTON STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 135,202,000 | 139,420,000 | 142,737,000 | 143,906,000 |
| Total loans | 99,973,000 | 101,826,000 | 105,167,000 | 95,719,000 |
| Allowance for loan losses | 1,209,000 | 1,202,000 | 1,725,000 | 1,750,000 |
| Securities available for sale | 16,583,000 | 16,935,000 | 17,188,000 | 17,188,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,907,000 | 119,319,000 | 123,976,000 | 125,950,000 |
| Interest-bearing deposits | 100,541,000 | 103,926,000 | 106,792,000 | 109,114,000 |
| Noninterest-bearing deposits | 15,366,000 | 15,393,000 | 17,184,000 | 16,836,000 |
| Equity capital | 14,528,000 | 14,695,000 | 14,567,000 | 14,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,795,000 | 3,607,000 | 5,414,000 | 7,072,000 |
| Interest expense | 445,000 | 888,000 | 1,349,000 | 1,790,000 |
| Net interest income | 1,350,000 | 2,719,000 | 4,065,000 | 5,282,000 |
| Noninterest income | 261,000 | 463,000 | 837,000 | 1,615,000 |
| Noninterest expense | 1,150,000 | 2,396,000 | 3,692,000 | 5,496,000 |
| Provision for loan losses | 100,000 | 100,000 | 850,000 | 1,050,000 |
| Pretax income | 361,000 | 686,000 | 360,000 | 366,000 |
| Income tax | 108,000 | 193,000 | 84,000 | 112,000 |
| Net income | 253,000 | 493,000 | 276,000 | 254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,705,000 | 14,695,000 | 14,479,000 | 14,457,000 |
| Total capital | 15,914,000 | 15,897,000 | 15,795,000 | 15,741,000 |
| Risk-weighted assets | 106,847,000 | 105,226,000 | 104,900,000 | 102,436,000 |