Call reports 2005
STATE BANK OF SOUTHERN UTAH — 2005
What STATE BANK OF SOUTHERN UTAH reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 413,216,000 | 441,704,000 | 486,556,000 | 505,368,000 |
| Total loans | 245,752,000 | 253,338,000 | 265,125,000 | 273,539,000 |
| Allowance for loan losses | 3,731,000 | 3,863,000 | 3,878,000 | 3,997,000 |
| Securities available for sale | 132,304,000 | 147,776,000 | 172,661,000 | 190,225,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 337,668,000 | 365,137,000 | 406,380,000 | 422,807,000 |
| Interest-bearing deposits | 255,432,000 | 276,098,000 | 311,801,000 | 314,447,000 |
| Noninterest-bearing deposits | 82,236,000 | 89,039,000 | 94,579,000 | 108,360,000 |
| Equity capital | 47,030,000 | 49,681,000 | 50,865,000 | 52,150,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,809,000 | 12,145,000 | 19,348,000 | 27,158,000 |
| Interest expense | 1,234,000 | 2,629,000 | 4,334,000 | 6,328,000 |
| Net interest income | 4,575,000 | 9,516,000 | 15,014,000 | 20,830,000 |
| Noninterest income | 1,082,000 | 2,246,000 | 3,619,000 | 4,838,000 |
| Noninterest expense | 2,837,000 | 5,718,000 | 9,057,000 | 12,645,000 |
| Provision for loan losses | 100,000 | 170,000 | 240,000 | 335,000 |
| Pretax income | 2,582,000 | 5,736,000 | 9,198,000 | 12,550,000 |
| Income tax | 605,000 | 1,507,000 | 2,601,000 | 3,838,000 |
| Net income | 1,977,000 | 4,229,000 | 6,597,000 | 8,712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,111,000 | 49,393,000 | 51,092,000 | 53,237,000 |
| Total capital | 50,889,000 | 53,307,000 | 55,011,000 | 57,276,000 |
| Risk-weighted assets | 305,274,000 | 320,284,000 | 337,935,000 | 346,302,000 |