Call reports 2007
FIRST NATIONAL BANK OF LAYTON, THE — 2007
What FIRST NATIONAL BANK OF LAYTON, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 310,162,000 | 314,402,000 | 296,166,000 | 290,400,000 |
| Total loans | 220,679,000 | 216,087,000 | 219,053,000 | 222,442,000 |
| Allowance for loan losses | 3,516,000 | 3,517,000 | 3,469,000 | 3,320,000 |
| Securities available for sale | 28,898,000 | 29,819,000 | 31,528,000 | 33,915,000 |
| Securities held to maturity | 4,240,000 | 4,036,000 | 5,353,000 | 5,058,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,107,000 | 268,855,000 | 250,610,000 | 244,467,000 |
| Interest-bearing deposits | 222,361,000 | 223,016,000 | 206,082,000 | 203,567,000 |
| Noninterest-bearing deposits | 42,746,000 | 45,839,000 | 44,528,000 | 40,900,000 |
| Equity capital | 32,540,000 | 31,060,000 | 31,431,000 | 31,893,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,661,000 | 13,153,000 | 19,615,000 | 25,466,000 |
| Interest expense | 2,292,000 | 4,620,000 | 6,730,000 | 8,775,000 |
| Net interest income | 4,369,000 | 8,533,000 | 12,885,000 | 16,691,000 |
| Noninterest income | 524,000 | 1,052,000 | 1,562,000 | 2,011,000 |
| Noninterest expense | 2,457,000 | 4,777,000 | 7,171,000 | 9,400,000 |
| Provision for loan losses | 0 | 0 | 200,000 | 200,000 |
| Pretax income | 2,449,000 | 4,821,000 | 7,089,000 | 9,115,000 |
| Income tax | 10,000 | 20,000 | 31,000 | 41,000 |
| Net income | 2,439,000 | 4,801,000 | 7,058,000 | 9,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,528,000 | 31,200,000 | 31,356,000 | 31,672,000 |
| Total capital | 35,677,000 | 34,339,000 | 34,503,000 | 34,808,000 |
| Risk-weighted assets | 251,574,000 | 250,760,000 | 251,416,000 | 250,694,000 |