Call reports 2004
FIRST UTAH BANK — 2004
What FIRST UTAH BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 150,111,000 | 139,223,000 | 163,588,000 | 196,149,000 |
| Total loans | 84,928,000 | 98,386,000 | 115,332,000 | 124,403,000 |
| Allowance for loan losses | 809,000 | 1,053,000 | 1,198,000 | 1,363,000 |
| Securities available for sale | 1,971,000 | 1,701,000 | 1,545,000 | 12,325,000 |
| Securities held to maturity | 8,220,000 | 7,748,000 | 7,307,000 | 13,213,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,817,000 | 119,961,000 | 143,187,000 | 165,002,000 |
| Interest-bearing deposits | 72,970,000 | 67,106,000 | 87,729,000 | 107,295,000 |
| Noninterest-bearing deposits | 56,847,000 | 52,855,000 | 55,458,000 | 57,707,000 |
| Equity capital | 10,074,000 | 10,675,000 | 12,490,000 | 13,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,010,000 | 4,362,000 | 6,931,000 | 9,903,000 |
| Interest expense | 274,000 | 568,000 | 931,000 | 1,483,000 |
| Net interest income | 1,736,000 | 3,794,000 | 6,000,000 | 8,420,000 |
| Noninterest income | 592,000 | 1,289,000 | 1,864,000 | 2,411,000 |
| Noninterest expense | 1,711,000 | 3,429,000 | 5,429,000 | 7,584,000 |
| Provision for loan losses | 186,000 | 257,000 | 403,000 | 578,000 |
| Pretax income | 431,000 | 1,397,000 | 2,032,000 | 2,669,000 |
| Income tax | 147,000 | 497,000 | 724,000 | 961,000 |
| Net income | 284,000 | 900,000 | 1,308,000 | 1,708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,046,000 | 10,662,000 | 12,470,000 | 13,291,000 |
| Total capital | 10,855,000 | 11,715,000 | 13,668,000 | 14,654,000 |
| Risk-weighted assets | 105,779,000 | 116,813,000 | 133,208,000 | 141,278,000 |
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