Call reports 2004
STATE BANK OF SOUTHERN UTAH — 2004
What STATE BANK OF SOUTHERN UTAH 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 | 355,836,000 | 375,136,000 | 399,526,000 | 406,988,000 |
| Total loans | 225,430,000 | 227,721,000 | 227,299,000 | 230,249,000 |
| Allowance for loan losses | 3,740,000 | 3,598,000 | 3,638,000 | 3,660,000 |
| Securities available for sale | 95,099,000 | 103,720,000 | 131,160,000 | 139,519,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,898,000 | 307,837,000 | 330,032,000 | 332,295,000 |
| Interest-bearing deposits | 227,063,000 | 233,740,000 | 243,413,000 | 248,978,000 |
| Noninterest-bearing deposits | 65,835,000 | 74,097,000 | 86,619,000 | 83,317,000 |
| Equity capital | 43,303,000 | 43,282,000 | 45,421,000 | 46,716,000 |
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 | 4,683,000 | 9,501,000 | 14,521,000 | 20,232,000 |
| Interest expense | 938,000 | 1,880,000 | 2,877,000 | 3,978,000 |
| Net interest income | 3,745,000 | 7,621,000 | 11,644,000 | 16,254,000 |
| Noninterest income | 1,007,000 | 2,156,000 | 3,436,000 | 4,603,000 |
| Noninterest expense | 2,913,000 | 5,788,000 | 8,659,000 | 11,798,000 |
| Provision for loan losses | 0 | 0 | 165,000 | 335,000 |
| Pretax income | 1,839,000 | 3,989,000 | 6,256,000 | 8,614,000 |
| Income tax | 573,000 | 1,057,000 | 1,701,000 | 2,422,000 |
| Net income | 1,266,000 | 2,932,000 | 4,555,000 | 6,192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,308,000 | 43,005,000 | 44,078,000 | 45,745,000 |
| Total capital | 44,762,000 | 46,558,000 | 47,660,000 | 49,340,000 |
| Risk-weighted assets | 270,799,000 | 279,122,000 | 281,733,000 | 282,579,000 |