Call reports 2005
FIRST NATIONAL BANK OF LAYTON, THE — 2005
What FIRST NATIONAL BANK OF LAYTON, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 250,882,000 | 260,646,000 | 273,198,000 | 276,358,000 |
| Total loans | 181,485,000 | 194,377,000 | 199,680,000 | 211,335,000 |
| Allowance for loan losses | 3,176,000 | 3,200,000 | 3,314,000 | 3,435,000 |
| Securities available for sale | 28,923,000 | 23,835,000 | 23,777,000 | 24,813,000 |
| Securities held to maturity | 10,851,000 | 10,676,000 | 7,114,000 | 7,014,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,996,000 | 223,932,000 | 233,491,000 | 237,099,000 |
| Interest-bearing deposits | 182,070,000 | 192,510,000 | 195,468,000 | 200,064,000 |
| Noninterest-bearing deposits | 30,926,000 | 31,422,000 | 38,023,000 | 37,035,000 |
| Equity capital | 27,627,000 | 27,134,000 | 27,164,000 | 27,352,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,095,000 | 8,666,000 | 13,553,000 | 18,898,000 |
| Interest expense | 1,006,000 | 2,122,000 | 3,435,000 | 4,933,000 |
| Net interest income | 3,089,000 | 6,544,000 | 10,118,000 | 13,965,000 |
| Noninterest income | 420,000 | 871,000 | 1,395,000 | 1,776,000 |
| Noninterest expense | 1,958,000 | 4,052,000 | 6,169,000 | 8,244,000 |
| Provision for loan losses | 100,000 | 150,000 | 331,000 | 486,000 |
| Pretax income | 1,451,000 | 3,213,000 | 5,013,000 | 7,011,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,451,000 | 3,213,000 | 5,013,000 | 7,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,757,000 | 27,218,000 | 27,269,000 | 27,526,000 |
| Total capital | 30,377,000 | 29,995,000 | 30,141,000 | 30,524,000 |
| Risk-weighted assets | 209,062,000 | 221,749,000 | 229,280,000 | 239,437,000 |