Call reports 2004
FIRST NATIONAL BANK OF LAYTON, THE — 2004
What FIRST NATIONAL BANK OF LAYTON, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 237,627,000 | 243,183,000 | 248,236,000 | 252,615,000 |
| Total loans | 164,747,000 | 167,998,000 | 178,046,000 | 180,935,000 |
| Allowance for loan losses | 3,247,000 | 3,229,000 | 3,152,000 | 3,096,000 |
| Securities available for sale | 15,445,000 | 30,089,000 | 31,003,000 | 29,348,000 |
| Securities held to maturity | 11,099,000 | 10,929,000 | 10,858,000 | 10,762,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,825,000 | 207,388,000 | 207,649,000 | 214,273,000 |
| Interest-bearing deposits | 178,677,000 | 179,529,000 | 178,596,000 | 185,147,000 |
| Noninterest-bearing deposits | 26,147,000 | 27,859,000 | 29,053,000 | 29,125,000 |
| Equity capital | 26,167,000 | 25,786,000 | 26,242,000 | 26,584,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,577,000 | 7,294,000 | 11,181,000 | 15,142,000 |
| Interest expense | 953,000 | 1,890,000 | 2,822,000 | 3,764,000 |
| Net interest income | 2,624,000 | 5,404,000 | 8,359,000 | 11,378,000 |
| Noninterest income | 438,000 | 914,000 | 1,464,000 | 1,944,000 |
| Noninterest expense | 1,675,000 | 3,613,000 | 5,605,000 | 7,497,000 |
| Provision for loan losses | 150,000 | 150,000 | 150,000 | 350,000 |
| Pretax income | 1,237,000 | 2,555,000 | 4,068,000 | 5,475,000 |
| Income tax | 643,000 | 648,000 | 653,000 | 658,000 |
| Net income | 594,000 | 1,907,000 | 3,415,000 | 4,817,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,941,000 | 25,852,000 | 26,191,000 | 26,607,000 |
| Total capital | 28,350,000 | 28,288,000 | 28,757,000 | 29,211,000 |
| Risk-weighted assets | 191,901,000 | 194,092,000 | 204,730,000 | 207,868,000 |