Call reports 2016
FIRST NATIONAL BANK OF LAYTON, THE — 2016
What FIRST NATIONAL BANK OF LAYTON, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 301,971,000 | 305,085,000 | 319,031,000 | 314,431,000 |
| Total loans | 192,762,000 | 203,924,000 | 209,130,000 | 220,327,000 |
| Allowance for loan losses | 3,712,000 | 3,837,000 | 3,893,000 | 3,985,000 |
| Securities available for sale | 65,057,000 | 61,760,000 | 67,372,000 | 66,476,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,873,000 | 261,522,000 | 274,643,000 | 270,554,000 |
| Interest-bearing deposits | 179,156,000 | 180,586,000 | 186,265,000 | 183,709,000 |
| Noninterest-bearing deposits | 79,717,000 | 80,936,000 | 88,378,000 | 86,845,000 |
| Equity capital | 39,513,000 | 40,515,000 | 40,767,000 | 40,271,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,160,000 | 6,453,000 | 9,844,000 | 13,369,000 |
| Interest expense | 115,000 | 229,000 | 348,000 | 465,000 |
| Net interest income | 3,045,000 | 6,224,000 | 9,496,000 | 12,904,000 |
| Noninterest income | 628,000 | 1,129,000 | 1,867,000 | 2,425,000 |
| Noninterest expense | 2,647,000 | 5,218,000 | 7,877,000 | 10,400,000 |
| Provision for loan losses | 0 | 120,000 | 170,000 | 270,000 |
| Pretax income | 1,028,000 | 2,017,000 | 3,332,000 | 4,668,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,028,000 | 2,017,000 | 3,332,000 | 4,668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,976,000 | 39,726,000 | 40,219,000 | 40,822,000 |
| Total capital | 41,780,000 | 42,684,000 | 43,245,000 | 43,978,000 |
| Risk-weighted assets | 223,206,000 | 235,503,000 | 241,018,000 | 251,505,000 |