Call reports 2003
FIRST NATIONAL BANK OF LAYTON, THE — 2003
What FIRST NATIONAL BANK OF LAYTON, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 224,947,000 | 227,608,000 | 249,553,000 | 237,045,000 |
| Total loans | 165,194,000 | 169,211,000 | 172,865,000 | 169,200,000 |
| Allowance for loan losses | 2,493,000 | 2,609,000 | 2,663,000 | 3,210,000 |
| Securities available for sale | 15,033,000 | 12,881,000 | 15,000,000 | 16,876,000 |
| Securities held to maturity | 9,534,000 | 9,468,000 | 9,029,000 | 8,874,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,837,000 | 193,377,000 | 216,414,000 | 205,199,000 |
| Interest-bearing deposits | 166,016,000 | 168,257,000 | 189,855,000 | 179,577,000 |
| Noninterest-bearing deposits | 22,821,000 | 25,119,000 | 26,559,000 | 25,622,000 |
| Equity capital | 20,941,000 | 21,767,000 | 22,779,000 | 25,459,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,721,000 | 7,524,000 | 11,467,000 | 15,323,000 |
| Interest expense | 1,175,000 | 2,250,000 | 3,320,000 | 4,367,000 |
| Net interest income | 2,546,000 | 5,274,000 | 8,147,000 | 10,956,000 |
| Noninterest income | 345,000 | 704,000 | 1,083,000 | 1,667,000 |
| Noninterest expense | 1,516,000 | 3,185,000 | 4,757,000 | 6,698,000 |
| Provision for loan losses | 200,000 | 330,000 | 460,000 | 1,010,000 |
| Pretax income | 1,175,000 | 2,463,000 | 4,013,000 | 4,915,000 |
| Income tax | 359,000 | 776,000 | 1,290,000 | 1,566,000 |
| Net income | 816,000 | 1,687,000 | 2,723,000 | 3,349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,775,000 | 21,616,000 | 22,652,000 | 25,347,000 |
| Total capital | 23,101,000 | 23,958,000 | 25,075,000 | 27,786,000 |
| Risk-weighted assets | 185,900,000 | 187,065,000 | 193,599,000 | 194,377,000 |