The First National Bank of Layton in Layton, Utah (UT)
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| The First National Bank of Layton | |
|---|---|
| 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 WWW: http://www.fnbutah.com 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) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 313 |
| Total assets | $255,171 |
| Cash and due from depository institutions | $18,348 |
| Interest-bearing balances | $16,096 |
| Securities | $61,616 |
| Federal funds sold & reverse repurchase agreements | $871 |
| Net loans & leases | $149,901 |
| Loan loss allowance | $3,977 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $6,917 |
| Other real estate owned | $6,771 |
| Goodwill and other intangibles | $0 |
| All other assets | $10,747 |
| Life insurance assets | $255,171 |
| Total liabilities and capital | $221,168 |
| Total liabilities | $217,346 |
| Total deposits | $166,303 |
| Interest-bearing deposits | $217,346 |
| Deposits held in domestic offices | $94 |
| % insured (estimated) | 2967.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $855 |
| All other liabilities | $34,003 |
| Total equity capital | $34,003 |
| Total bank equity capital | $34,003 |
| Perpetual preferred stock | $0 |
| Common stock | $1,710 |
| Surplus | $15,128 |
| Undivided profits | $17,165 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $24,361 |
| Income earned, not collected on loans | $4,670 |
| Earning assets | $745 |
| Long-term assets (5+ years) | $793 |
| Average Assets, year-to-date | $228,484 |
| Average Assets, quarterly | $76,166 |
| Volatile liabilities | $255,409 |
| Insider loans | $254,637 |
| FHLB advances | $166,894 |
| Loans and leases held for sale | $254,282 |
| Unused loan commitments | $8,237 |
| Tier 1 (core) risk-based capital | $8,237 |
| Tier 2 risk-based capital | $32,957 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $29,132 |
| Derivatives | $6,844 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $10,597 |
| Total interest expense | $1,303 |
| Net interest income | $9,294 |
| Provision for loan and lease losses | $1,395 |
| Total noninterest income | $21,288 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $1,334 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $19,954 |
| Total noninterest expense | $28,558 |
| Salaries and employee benefits | $20,284 |
| Premises and equipment expense | $1,943 |
| Additional noninterest expense | $6,331 |
| Pre-tax net operating income | $629 |
| Securities gains (losses) | $258 |
| Applicable income taxes | $0 |
| Income before extraordinary items | $887 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $887 |
| Net charge-offs | $0 |
| Cash dividends | $887 |
| Sale, conversion, retirement of capital stock, net | $1,759 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.67% |
| Cost of funding earning assets | 0.57% |
| Net interest margin | 4.10% |
| Noninterest income to earning assets | 9.39% |
| Noninterest expense to earning assets | 12.60% |
| Net operating income to assets | 0.25% |
| Return on assets (ROA) | 0.35% |
| Pretax return on assets | 0.35% |
| Return on equity (ROE) | 2.59% |
| Retained earnings to average equity (YTD only) | 2.59% |
| Net charge-offs to loans | 1.22% |
| Credit loss provision to net charge-offs | 79.31% |
| Efficiency ratio | 1.15% |
| Assets per employee | $93,382 |
| Cash dividends to net income (YTD only) | 0.82% |
| Condition Ratios (%) | |
| Loss allowance to loans | 0.00% |
| Loss allowance to noncurrent loans | 2.58% |
| Noncurrent assets plus other real estate owned to assets | 85.16% |
| Noncurrent loans to loans | 4.48% |
| Net loans and leases to deposits | 3.03% |
| Net loans and leases to core deposits | 68.97% |
| Equity capital to assets | 73.14% |
| Core capital (leverage) ratio | 13.33% |
| Tier 1 risk-based capital ratio | 12.96% |
| Total risk-based capital ratio | 19.75% |
| Memoranda | |
| Average assets | $21 |
| Average earning assets | $255,409 |
| Average equity | $34,253 |
| Average loans | $226,723 |
| 8 Utah Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 1502 | The First National Bank Of Layton | 12 South Main Street, Layton, UT 84041 | May 15, 1905 | Full Service Brick and Mortar |  |
| 2 | 192221 | Fairfield Branch | 980 North Fairfield Road, Layton, UT 84041 | December 12, 1983 | Full Service Brick and Mortar |  |
| 3 | 14757 | Layton Hills Branch | 1601 North Hill Field Road, Layton, UT 84041 | November 26, 1973 | Full Service Brick and Mortar | |
| 5 | 192222 | Bountiful Branch | 207 South Main, Bountiful, UT 84010 | December 18, 1995 | Full Service Brick and Mortar | |
| 6 | 192223 | Clearfield Branch | 700 South State Street, Clearfield, UT 84015 | March 18, 1996 | Full Service Brick and Mortar | |
| 7 | 192224 | Messenger Branch Service | To Serve Davis, Weber & Salt Lake Counties, Layton, UT 84041 | June 01, 1999 | Limited Service Messenger | |
| 9 | 357193 | Salt Lake City Branch | 400 South 480 East, Salt Lake City, UT 84111 | May 09, 2000 | Full Service Brick and Mortar | |
| 10 | 430006 | Draper Office Branch | 136 West 12300 South, Draper, UT 84020 | December 03, 2003 | Full Service Brick and Mortar | |
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