Call reports 2013
LAYTON STATE BANK — 2013
What LAYTON STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 157,579,000 | 157,089,000 | 152,429,000 | 146,740,000 |
| Total loans | 76,790,000 | 76,268,000 | 80,105,000 | 82,610,000 |
| Allowance for loan losses | 1,229,000 | 1,075,000 | 1,066,000 | 1,469,000 |
| Securities available for sale | 15,969,000 | 15,720,000 | 16,446,000 | 16,656,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,243,000 | 141,782,000 | 137,329,000 | 132,460,000 |
| Interest-bearing deposits | 120,909,000 | 119,173,000 | 116,790,000 | 110,740,000 |
| Noninterest-bearing deposits | 20,334,000 | 22,609,000 | 20,539,000 | 21,720,000 |
| Equity capital | 14,434,000 | 14,620,000 | 14,328,000 | 13,507,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,275,000 | 2,441,000 | 3,561,000 | 4,729,000 |
| Interest expense | 239,000 | 469,000 | 681,000 | 855,000 |
| Net interest income | 1,036,000 | 1,972,000 | 2,880,000 | 3,874,000 |
| Noninterest income | 368,000 | 979,000 | 1,347,000 | 1,321,000 |
| Noninterest expense | 1,580,000 | 3,224,000 | 4,780,000 | 6,267,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 850,000 |
| Pretax income | -235,000 | -364,000 | -644,000 | -1,963,000 |
| Income tax | -90,000 | -139,000 | -248,000 | -767,000 |
| Net income | -145,000 | -225,000 | -396,000 | -1,196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,039,000 | 14,324,000 | 13,964,000 | 12,526,000 |
| Total capital | 15,232,000 | 15,399,000 | 15,030,000 | 13,749,000 |
| Risk-weighted assets | 95,441,000 | 95,074,000 | 96,979,000 | 97,598,000 |