Call reports 2014
LAYTON STATE BANK — 2014
What LAYTON STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 140,646,000 | 137,460,000 | 136,496,000 | 126,312,000 |
| Total loans | 90,994,000 | 89,240,000 | 90,638,000 | 92,878,000 |
| Allowance for loan losses | 1,132,000 | 1,132,000 | 1,134,000 | 1,115,000 |
| Securities available for sale | 16,423,000 | 16,928,000 | 16,485,000 | 16,161,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,472,000 | 123,025,000 | 122,129,000 | 111,404,000 |
| Interest-bearing deposits | 106,624,000 | 102,005,000 | 100,511,000 | 92,128,000 |
| Noninterest-bearing deposits | 19,848,000 | 21,020,000 | 21,618,000 | 19,276,000 |
| Equity capital | 13,628,000 | 13,481,000 | 13,151,000 | 13,098,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,213,000 | 2,397,000 | 3,622,000 | 4,820,000 |
| Interest expense | 136,000 | 261,000 | 371,000 | 486,000 |
| Net interest income | 1,077,000 | 2,136,000 | 3,251,000 | 4,334,000 |
| Noninterest income | 185,000 | 287,000 | 171,000 | 264,000 |
| Noninterest expense | 1,428,000 | 2,925,000 | 4,315,000 | 5,664,000 |
| Provision for loan losses | 250,000 | 250,000 | 325,000 | 325,000 |
| Pretax income | -416,000 | -752,000 | -1,218,000 | -1,391,000 |
| Income tax | -163,000 | -315,000 | -480,000 | -591,000 |
| Net income | -253,000 | -437,000 | -738,000 | -800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,493,000 | 12,368,000 | 12,010,000 | 12,059,000 |
| Total capital | 13,625,000 | 13,500,000 | 13,144,000 | 13,174,000 |
| Risk-weighted assets | 104,720,000 | 103,446,000 | 97,639,000 | 103,482,000 |