Call reports 2009
FIRST NATIONAL BANK OF LAYTON, THE — 2009
What FIRST NATIONAL BANK OF LAYTON, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 278,236,000 | 269,943,000 | 279,267,000 | 274,935,000 |
| Total loans | 174,201,000 | 169,417,000 | 161,211,000 | 157,967,000 |
| Allowance for loan losses | 7,185,000 | 6,562,000 | 5,500,000 | 5,151,000 |
| Securities available for sale | 40,159,000 | 40,515,000 | 48,832,000 | 57,364,000 |
| Securities held to maturity | 4,366,000 | 3,544,000 | 3,202,000 | 2,538,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,233,000 | 228,560,000 | 230,239,000 | 225,221,000 |
| Interest-bearing deposits | 192,513,000 | 186,625,000 | 189,222,000 | 185,995,000 |
| Noninterest-bearing deposits | 39,720,000 | 41,935,000 | 41,017,000 | 39,226,000 |
| Equity capital | 26,975,000 | 27,124,000 | 32,051,000 | 32,169,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,329,000 | 6,696,000 | 9,948,000 | 13,390,000 |
| Interest expense | 1,172,000 | 2,205,000 | 3,076,000 | 3,888,000 |
| Net interest income | 2,157,000 | 4,491,000 | 6,872,000 | 9,502,000 |
| Noninterest income | -515,000 | -143,000 | -73,000 | -1,421,000 |
| Noninterest expense | 2,108,000 | 4,310,000 | 6,538,000 | 9,012,000 |
| Provision for loan losses | 3,390,000 | 3,708,000 | 3,708,000 | 4,985,000 |
| Pretax income | -3,856,000 | -3,609,000 | -3,304,000 | -5,773,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -3,856,000 | -3,609,000 | -3,304,000 | -5,773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,212,000 | 26,459,000 | 31,004,000 | 31,034,000 |
| Total capital | 28,912,000 | 29,034,000 | 33,498,000 | 33,405,000 |
| Risk-weighted assets | 211,548,000 | 202,019,000 | 196,499,000 | 186,861,000 |