The First National Bank of Layton in Layton, Utah (UT)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank of Layton - Overview

  • General
  • FDIC Certificate #: 2260
    Status: Active
    Federal Reserve ID: 745570
    Bank Holding Company (Regulatory Top Holder): Fnb Bancorp (RSSDID: 2851653, Location: Layton, UT)
    Date Established: May 15, 1905
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 10745
    FDIC's unique #: 1502
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 12 South Main Street, Layton, UT 84041
    County: Davis
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Salt Lake City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Salt Lake City-Ogden, UT (#7160)
    Combined Statistical Area (CSA): Salt Lake City-Ogden-Clearfield, UT (#482)
    Core Based Statistical Area (CBSA): Ogden-Clearfield, UT (#36260)
    CBSA Metro Statistical Area: Ogden-Clearfield, UT (#36260)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $255.2 mil
    Equity capital: $34.0 mil
    Deposits held in domestic offices: $217.3 mil
    Return on assets (ROA): 0.35% ($0.9 mil)
    Quarterly return on assets: -1.08% (-$2.8 mil)
    Return on Equity (ROE): 2.59% ($0.9 mil)
    Quarterly return on equity: -7.93% (-$2.7 mil)
    Net income: $0.9 mil
    Quarterly Net income: -$0.7 mil
    Pretax return on assets: 0.35% ($893.1 mil)
    Quarterly Pretax return on assets: -1.08% (-$2,755.8 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 313Total employees (full-time equivalent)
  • $255,171Total assets
  • $18,348Cash and due from depository institutions
  • $16,096Interest-bearing balances
  • $61,616Securities
  • $871Federal funds sold & reverse repurchase agreements
  • $149,901Net loans & leases
  • $3,977Loan loss allowance
  • $0Trading account assets
  • $6,917Bank premises and fixed assets
  • $6,771Other real estate owned
  • $0Goodwill and other intangibles
  • $255,171Life insurance assets
  • $10,747All other assets
  • $221,168Total liabilities and capital
  • $217,346Total liabilities
  • $166,303Total deposits
  • $217,346Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 2967.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $855Subordinated debt
  • $34,003All other liabilities
  • $34,003Total equity capital
  • $34,003Total bank equity capital
  • $0Perpetual preferred stock
  • $1,710Common stock
  • $15,128Surplus
  • $17,165Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $24,361Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,670Income earned, not collected on loans
  • $745Earning assets
  • $793Long-term assets (5+ years)
  • $228,484Average Assets, year-to-date
  • $76,166Average Assets, quarterly
  • $255,409Volatile liabilities
  • $254,637Insider loans
  • $166,894FHLB advances
  • $254,282Loans and leases held for sale
  • $8,237Unused loan commitments
  • $8,237Tier 1 (core) risk-based capital
  • $32,957Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $29,132Restructured Loans and leases
  • $6,844Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,597Total interest income
  • $1,303Total interest expense
  • $9,294Net interest income
  • $1,395Provision for loan and lease losses
  • $21,288Total noninterest income
  • $0Fiduciary activities
  • $1,334Service charges on deposit accounts
  • $0Trading account gains & fees
  • $19,954Additional noninterest income
  • $28,558Total noninterest expense
  • $20,284Salaries and employee benefits
  • $1,943Premises and equipment expense
  • $6,331Additional noninterest expense
  • $629Pre-tax net operating income
  • $258Securities gains (losses)
  • $0Applicable income taxes
  • $887Income before extraordinary items
  • $0Extraordinary gains - net
  • $887Net income attributable to bank
  • $0Net charge-offs
  • $887Cash dividends
  • $1,759Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.67%Yield on earning assets
  • 0.57%Cost of funding earning assets
  • 4.10%Net interest margin
  • 9.39%Noninterest income to earning assets
  • 12.60%Noninterest expense to earning assets
  • 0.25%Net operating income to assets
  • 0.35%Return on assets (ROA)
  • 0.35%Pretax return on assets
  • 2.59%Return on equity (ROE)
  • 2.59%Retained earnings to average equity (YTD only)
  • 1.22%Net charge-offs to loans
  • 79.31%Credit loss provision to net charge-offs
  • 1.15%Efficiency ratio
  • 93,382Assets per employee
  • 0.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.58%Loss allowance to noncurrent loans
  • 85.16%Noncurrent assets plus other real estate owned to assets
  • 4.48%Noncurrent loans to loans
  • 3.03%Net loans and leases to deposits
  • 68.97%Net loans and leases to core deposits
  • 73.14%Equity capital to assets
  • 13.33%Core capital (leverage) ratio
  • 12.96%Tier 1 risk-based capital ratio
  • 19.75%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $255,409Average earning assets
  • $34,253Average equity
  • $226,723Average loans

List of branches

  • 8 Utah Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01502The First National Bank Of Layton12 South Main Street, Layton, UT 84041May 15, 1905Full Service Brick and Mortar
    2192221Fairfield Branch980 North Fairfield Road, Layton, UT 84041December 12, 1983Full Service Brick and Mortar
    314757Layton Hills Branch1601 North Hill Field Road, Layton, UT 84041November 26, 1973Full Service Brick and Mortar
    5192222Bountiful Branch207 South Main, Bountiful, UT 84010December 18, 1995Full Service Brick and Mortar
    6192223Clearfield Branch700 South State Street, Clearfield, UT 84015March 18, 1996Full Service Brick and Mortar
    7192224Messenger Branch ServiceTo Serve Davis, Weber & Salt Lake Counties, Layton, UT 84041June 01, 1999Limited Service Messenger
    9357193Salt Lake City Branch400 South 480 East, Salt Lake City, UT 84111May 09, 2000Full Service Brick and Mortar
    10430006Draper Office Branch136 West 12300 South, Draper, UT 84020December 03, 2003Full Service Brick and Mortar

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