Call reports 2015
LAYTON STATE BANK — 2015
What LAYTON STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 127,182,000 | 127,721,000 | 127,604,000 | 123,544,000 |
| Total loans | 95,659,000 | 90,257,000 | 92,079,000 | 92,625,000 |
| Allowance for loan losses | 1,103,000 | 1,084,000 | 1,085,000 | 1,024,000 |
| Securities available for sale | 15,481,000 | 14,877,000 | 14,485,000 | 13,399,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,499,000 | 110,951,000 | 113,664,000 | 109,874,000 |
| Interest-bearing deposits | 91,429,000 | 89,937,000 | 89,312,000 | 87,239,000 |
| Noninterest-bearing deposits | 20,070,000 | 21,014,000 | 24,352,000 | 22,635,000 |
| Equity capital | 13,094,000 | 13,116,000 | 13,174,000 | 12,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,199,000 | 2,408,000 | 3,515,000 | 4,641,000 |
| Interest expense | 99,000 | 195,000 | 290,000 | 383,000 |
| Net interest income | 1,100,000 | 2,213,000 | 3,225,000 | 4,258,000 |
| Noninterest income | 370,000 | 838,000 | 1,224,000 | 1,365,000 |
| Noninterest expense | 1,433,000 | 2,807,000 | 4,139,000 | 5,273,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 50,000 |
| Pretax income | 37,000 | 194,000 | 260,000 | 300,000 |
| Income tax | 16,000 | 83,000 | 111,000 | 129,000 |
| Net income | 21,000 | 111,000 | 149,000 | 171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,568,000 | 11,658,000 | 11,698,000 | 11,495,000 |
| Total capital | 11,568,000 | 12,742,000 | 12,783,000 | 12,519,000 |
| Risk-weighted assets | 103,335,000 | 99,346,000 | 102,175,000 | 101,174,000 |