Call reports 2015
FIRST NATIONAL BANK OF LAYTON, THE — 2015
What FIRST NATIONAL BANK OF LAYTON, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 291,046,000 | 291,634,000 | 298,653,000 | 297,873,000 |
| Total loans | 173,665,000 | 188,011,000 | 194,614,000 | 189,162,000 |
| Allowance for loan losses | 3,511,000 | 3,506,000 | 3,681,000 | 3,706,000 |
| Securities available for sale | 69,964,000 | 66,605,000 | 64,041,000 | 68,132,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,371,000 | 250,030,000 | 256,755,000 | 255,750,000 |
| Interest-bearing deposits | 167,232,000 | 175,104,000 | 177,347,000 | 177,645,000 |
| Noninterest-bearing deposits | 83,139,000 | 74,926,000 | 79,408,000 | 78,105,000 |
| Equity capital | 37,391,000 | 37,801,000 | 38,419,000 | 38,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,847,000 | 5,951,000 | 9,130,000 | 12,316,000 |
| Interest expense | 118,000 | 238,000 | 361,000 | 481,000 |
| Net interest income | 2,729,000 | 5,713,000 | 8,769,000 | 11,835,000 |
| Noninterest income | 582,000 | 1,197,000 | 1,978,000 | 2,537,000 |
| Noninterest expense | 2,601,000 | 5,235,000 | 7,822,000 | 10,364,000 |
| Provision for loan losses | 20,000 | 20,000 | 130,000 | 185,000 |
| Pretax income | 690,000 | 1,655,000 | 2,801,000 | 3,836,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 690,000 | 1,655,000 | 2,801,000 | 3,836,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,055,000 | 37,848,000 | 38,305,000 | 38,810,000 |
| Total capital | 39,549,000 | 40,476,000 | 41,035,000 | 41,526,000 |
| Risk-weighted assets | 198,322,000 | 209,237,000 | 217,266,000 | 216,145,000 |