Call reports 2006
FIRST NATIONAL BANK OF LAYTON, THE — 2006
What FIRST NATIONAL BANK OF LAYTON, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 281,958,000 | 298,426,000 | 305,057,000 | 315,340,000 |
| Total loans | 219,919,000 | 230,547,000 | 237,605,000 | 226,743,000 |
| Allowance for loan losses | 3,471,000 | 3,491,000 | 3,570,000 | 3,506,000 |
| Securities available for sale | 22,488,000 | 24,000,000 | 26,655,000 | 28,362,000 |
| Securities held to maturity | 5,313,000 | 2,913,000 | 2,903,000 | 4,260,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,150,000 | 256,202,000 | 260,744,000 | 267,376,000 |
| Interest-bearing deposits | 208,542,000 | 216,285,000 | 218,701,000 | 226,785,000 |
| Noninterest-bearing deposits | 34,608,000 | 39,917,000 | 42,043,000 | 40,591,000 |
| Equity capital | 28,550,000 | 27,994,000 | 30,390,000 | 30,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,635,000 | 11,792,000 | 18,126,000 | 24,789,000 |
| Interest expense | 1,659,000 | 3,454,000 | 5,551,000 | 7,822,000 |
| Net interest income | 3,976,000 | 8,338,000 | 12,575,000 | 16,967,000 |
| Noninterest income | 431,000 | 959,000 | 1,569,000 | 2,139,000 |
| Noninterest expense | 2,444,000 | 4,727,000 | 7,187,000 | 9,472,000 |
| Provision for loan losses | 50,000 | 60,000 | 170,000 | 190,000 |
| Pretax income | 1,913,000 | 4,510,000 | 6,787,000 | 9,444,000 |
| Income tax | 15,000 | 26,000 | 36,000 | 46,000 |
| Net income | 1,898,000 | 4,484,000 | 6,751,000 | 9,398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,749,000 | 28,236,000 | 30,502,000 | 30,849,000 |
| Total capital | 31,836,000 | 31,463,000 | 33,815,000 | 34,072,000 |
| Risk-weighted assets | 246,548,000 | 257,931,000 | 264,813,000 | 257,549,000 |