Call reports 2002
STATE BANK OF SOUTHERN UTAH — 2002
What STATE BANK OF SOUTHERN UTAH reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 303,014,000 | 311,341,000 | 326,706,000 | 316,154,000 |
| Total loans | 184,199,000 | 192,466,000 | 201,307,000 | 198,934,000 |
| Allowance for loan losses | 3,185,000 | 3,151,000 | 3,373,000 | 3,697,000 |
| Securities available for sale | 81,067,000 | 87,871,000 | 88,802,000 | 88,623,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,337,000 | 252,360,000 | 266,812,000 | 253,031,000 |
| Interest-bearing deposits | 205,325,000 | 202,342,000 | 208,411,000 | 203,553,000 |
| Noninterest-bearing deposits | 49,012,000 | 50,018,000 | 58,401,000 | 49,478,000 |
| Equity capital | 33,930,000 | 35,657,000 | 36,859,000 | 38,099,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,787,000 | 9,787,000 | 14,710,000 | 19,724,000 |
| Interest expense | 1,513,000 | 3,034,000 | 4,451,000 | 5,690,000 |
| Net interest income | 3,274,000 | 6,753,000 | 10,259,000 | 14,034,000 |
| Noninterest income | 660,000 | 1,530,000 | 2,613,000 | 3,802,000 |
| Noninterest expense | 2,514,000 | 4,844,000 | 7,317,000 | 10,144,000 |
| Provision for loan losses | 180,000 | 225,000 | 550,000 | 970,000 |
| Pretax income | 1,240,000 | 3,214,000 | 5,005,000 | 6,722,000 |
| Income tax | 526,000 | 846,000 | 1,529,000 | 1,918,000 |
| Net income | 714,000 | 2,368,000 | 3,476,000 | 4,804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,597,000 | 33,781,000 | 34,521,000 | 35,878,000 |
| Total capital | 35,386,000 | 36,722,000 | 37,593,000 | 38,876,000 |
| Risk-weighted assets | 215,788,000 | 228,671,000 | 239,827,000 | 233,556,000 |