Call reports 2008
FIRST NATIONAL BANK OF LAYTON, THE — 2008
What FIRST NATIONAL BANK OF LAYTON, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 283,396,000 | 288,976,000 | 279,027,000 | 271,378,000 |
| Total loans | 223,355,000 | 212,268,000 | 195,567,000 | 185,753,000 |
| Allowance for loan losses | 6,151,000 | 6,631,000 | 5,895,000 | 4,659,000 |
| Securities available for sale | 32,371,000 | 33,951,000 | 40,078,000 | 32,161,000 |
| Securities held to maturity | 5,132,000 | 4,855,000 | 4,962,000 | 4,402,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,583,000 | 243,933,000 | 231,510,000 | 222,154,000 |
| Interest-bearing deposits | 197,344,000 | 201,032,000 | 191,108,000 | 184,947,000 |
| Noninterest-bearing deposits | 40,239,000 | 42,901,000 | 40,402,000 | 37,207,000 |
| Equity capital | 29,594,000 | 29,227,000 | 30,505,000 | 30,748,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,930,000 | 9,255,000 | 13,397,000 | 17,162,000 |
| Interest expense | 1,723,000 | 3,172,000 | 4,601,000 | 5,912,000 |
| Net interest income | 3,207,000 | 6,083,000 | 8,796,000 | 11,250,000 |
| Noninterest income | 522,000 | 1,029,000 | 1,531,000 | 1,967,000 |
| Noninterest expense | 2,456,000 | 4,413,000 | 6,652,000 | 8,536,000 |
| Provision for loan losses | 3,033,000 | 3,634,000 | 3,634,000 | 4,609,000 |
| Pretax income | -1,758,000 | -933,000 | 43,000 | 74,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,758,000 | -933,000 | 43,000 | 74,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,007,000 | 29,298,000 | 30,273,000 | 30,068,000 |
| Total capital | 32,125,000 | 32,354,000 | 33,176,000 | 32,868,000 |
| Risk-weighted assets | 246,330,000 | 240,874,000 | 229,251,000 | 222,150,000 |