Call reports 2006
STATE BANK OF SOUTHERN UTAH — 2006
What STATE BANK OF SOUTHERN UTAH reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 523,649,000 | 533,383,000 | 542,773,000 | 545,019,000 |
| Total loans | 307,977,000 | 322,243,000 | 335,008,000 | 349,491,000 |
| Allowance for loan losses | 3,987,000 | 4,037,000 | 4,252,000 | 4,527,000 |
| Securities available for sale | 178,647,000 | 146,900,000 | 150,028,000 | 149,301,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 424,865,000 | 444,141,000 | 463,342,000 | 465,442,000 |
| Interest-bearing deposits | 317,083,000 | 336,770,000 | 358,514,000 | 362,853,000 |
| Noninterest-bearing deposits | 107,782,000 | 107,371,000 | 104,828,000 | 102,589,000 |
| Equity capital | 54,146,000 | 55,308,000 | 57,916,000 | 60,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 8,504,000 | 17,623,000 | 27,314,000 | 37,435,000 |
| Interest expense | 2,359,000 | 5,065,000 | 8,432,000 | 11,952,000 |
| Net interest income | 6,145,000 | 12,558,000 | 18,882,000 | 25,483,000 |
| Noninterest income | 1,195,000 | 2,512,000 | 3,859,000 | 5,220,000 |
| Noninterest expense | 3,217,000 | 6,634,000 | 10,282,000 | 14,398,000 |
| Provision for loan losses | 0 | 100,000 | 300,000 | 577,000 |
| Pretax income | 3,891,000 | 7,259,000 | 11,082,000 | 14,651,000 |
| Income tax | 1,185,000 | 2,519,000 | 3,697,000 | 4,755,000 |
| Net income | 2,706,000 | 4,740,000 | 7,385,000 | 9,896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,273,000 | 56,937,000 | 58,912,000 | 61,453,000 |
| Total capital | 59,307,000 | 61,016,000 | 63,213,000 | 66,033,000 |
| Risk-weighted assets | 379,204,000 | 395,933,000 | 410,414,000 | 425,828,000 |