Call reports 2025
UTAH INDEPENDENT BANK — 2025
What UTAH INDEPENDENT BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 159,646,000 | 158,441,000 | 159,783,000 | 160,179,000 |
| Total loans | 100,125,000 | 102,155,000 | 105,262,000 | 110,318,000 |
| Allowance for loan losses | 1,309,000 | 1,984,000 | 1,139,000 | 1,109,000 |
| Securities available for sale | 20,278,000 | 20,996,000 | 20,757,000 | 19,896,000 |
| Securities held to maturity | 234,000 | 217,000 | 204,000 | 192,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,886,000 | 133,970,000 | 133,760,000 | 135,160,000 |
| Interest-bearing deposits | 90,212,000 | 86,910,000 | 85,251,000 | 86,860,000 |
| Noninterest-bearing deposits | 45,674,000 | 47,060,000 | 48,509,000 | 48,300,000 |
| Equity capital | 21,983,000 | 22,622,000 | 24,098,000 | 23,136,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,777,000 | 5,677,000 | 8,637,000 | 11,727,000 |
| Interest expense | 502,000 | 1,018,000 | 1,472,000 | 1,945,000 |
| Net interest income | 2,275,000 | 4,659,000 | 7,165,000 | 9,782,000 |
| Noninterest income | 164,000 | 329,000 | 497,000 | 628,000 |
| Noninterest expense | 1,014,000 | 2,195,000 | 3,544,000 | 5,239,000 |
| Provision for loan losses | 95,000 | 770,000 | 823,000 | 893,000 |
| Pretax income | 1,322,000 | 1,945,000 | 3,147,000 | 4,071,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,322,000 | 1,945,000 | 3,147,000 | 4,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,153,000 | 23,800,000 | 25,002,000 | 23,934,000 |
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