Call reports 2003
STATE BANK OF SOUTHERN UTAH — 2003
What STATE BANK OF SOUTHERN UTAH reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 318,816,000 | 332,926,000 | 348,319,000 | 358,116,000 |
| Total loans | 206,705,000 | 211,290,000 | 216,636,000 | 224,933,000 |
| Allowance for loan losses | 3,674,000 | 3,681,000 | 3,699,000 | 3,760,000 |
| Securities available for sale | 82,398,000 | 84,920,000 | 101,099,000 | 89,632,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,197,000 | 269,829,000 | 282,652,000 | 277,867,000 |
| Interest-bearing deposits | 208,470,000 | 213,450,000 | 221,129,000 | 218,122,000 |
| Noninterest-bearing deposits | 50,727,000 | 56,379,000 | 61,523,000 | 59,745,000 |
| Equity capital | 39,068,000 | 40,787,000 | 40,717,000 | 42,223,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,743,000 | 9,583,000 | 14,477,000 | 19,345,000 |
| Interest expense | 1,091,000 | 2,167,000 | 3,173,000 | 4,137,000 |
| Net interest income | 3,652,000 | 7,416,000 | 11,304,000 | 15,208,000 |
| Noninterest income | 937,000 | 2,067,000 | 3,206,000 | 4,426,000 |
| Noninterest expense | 2,544,000 | 4,922,000 | 7,770,000 | 10,644,000 |
| Provision for loan losses | 100,000 | 375,000 | 702,000 | 995,000 |
| Pretax income | 1,945,000 | 4,186,000 | 6,038,000 | 7,872,000 |
| Income tax | 568,000 | 1,179,000 | 1,886,000 | 2,278,000 |
| Net income | 1,377,000 | 3,007,000 | 4,152,000 | 5,594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,825,000 | 38,485,000 | 39,140,000 | 40,612,000 |
| Total capital | 39,858,000 | 41,593,000 | 42,393,000 | 44,000,000 |
| Risk-weighted assets | 237,309,000 | 243,374,000 | 254,900,000 | 265,286,000 |