Call reports 2016
LAYTON STATE BANK — 2016
What LAYTON STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 |
|---|---|---|---|
| Total assets | 123,376,000 | 122,966,000 | 120,659,000 |
| Total loans | 93,489,000 | 90,806,000 | 86,845,000 |
| Allowance for loan losses | 1,024,000 | 995,000 | 995,000 |
| Securities available for sale | 12,662,000 | 11,342,000 | 10,914,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 107,782,000 | 107,584,000 | 107,538,000 |
| Interest-bearing deposits | 86,428,000 | 85,536,000 | 85,376,000 |
| Noninterest-bearing deposits | 21,354,000 | 22,048,000 | 22,162,000 |
| Equity capital | 12,917,000 | 12,537,000 | 12,314,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 |
|---|---|---|---|
| Interest income | 1,117,000 | 2,269,000 | 3,347,000 |
| Interest expense | 92,000 | 188,000 | 285,000 |
| Net interest income | 1,025,000 | 2,081,000 | 3,062,000 |
| Noninterest income | 149,000 | 276,000 | 416,000 |
| Noninterest expense | 1,231,000 | 2,422,000 | 3,716,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | -57,000 | -65,000 | -238,000 |
| Income tax | -23,000 | -24,000 | -92,000 |
| Net income | -34,000 | -41,000 | -146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 |
|---|---|---|---|
| Tier 1 capital | 11,462,000 | 11,055,000 | 10,879,000 |
| Total capital | 12,486,000 | 12,050,000 | 11,874,000 |
| Risk-weighted assets | 97,992,000 | 98,188,000 | 94,598,000 |