Call reports 2012
LAYTON STATE BANK — 2012
What LAYTON STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 142,704,000 | 151,968,000 | 160,051,000 | 157,259,000 |
| Total loans | 82,887,000 | 82,476,000 | 87,495,000 | 84,858,000 |
| Allowance for loan losses | 1,290,000 | 1,105,000 | 1,130,000 | 1,177,000 |
| Securities available for sale | 16,185,000 | 16,339,000 | 15,186,000 | 16,433,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,114,000 | 134,975,000 | 142,684,000 | 135,883,000 |
| Interest-bearing deposits | 109,968,000 | 115,965,000 | 119,770,000 | 115,439,000 |
| Noninterest-bearing deposits | 16,146,000 | 19,010,000 | 22,914,000 | 20,444,000 |
| Equity capital | 14,920,000 | 14,841,000 | 14,884,000 | 14,565,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,420,000 | 2,755,000 | 4,142,000 | 5,544,000 |
| Interest expense | 265,000 | 525,000 | 780,000 | 1,022,000 |
| Net interest income | 1,155,000 | 2,230,000 | 3,362,000 | 4,522,000 |
| Noninterest income | 383,000 | 996,000 | 1,444,000 | 2,081,000 |
| Noninterest expense | 1,452,000 | 2,864,000 | 4,387,000 | 5,976,000 |
| Provision for loan losses | 100,000 | 300,000 | 500,000 | 500,000 |
| Pretax income | 79,000 | 251,000 | 92,000 | 297,000 |
| Income tax | -27,000 | 4,000 | -55,000 | 104,000 |
| Net income | 106,000 | 247,000 | 147,000 | 193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,566,000 | 14,657,000 | 14,557,000 | 14,303,000 |
| Total capital | 15,811,000 | 15,762,000 | 15,687,000 | 15,480,000 |
| Risk-weighted assets | 99,526,000 | 100,441,000 | 104,587,000 | 103,541,000 |