Call reports 2007
STATE BANK OF SOUTHERN UTAH — 2007
What STATE BANK OF SOUTHERN UTAH reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 555,997,000 | 562,495,000 | 572,686,000 | 582,736,000 |
| Total loans | 370,893,000 | 377,699,000 | 393,668,000 | 413,618,000 |
| Allowance for loan losses | 4,541,000 | 4,745,000 | 3,888,000 | 4,319,000 |
| Securities available for sale | 143,143,000 | 135,228,000 | 132,161,000 | 122,443,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 465,119,000 | 468,335,000 | 483,969,000 | 492,896,000 |
| Interest-bearing deposits | 361,558,000 | 363,634,000 | 380,844,000 | 403,677,000 |
| Noninterest-bearing deposits | 103,561,000 | 104,701,000 | 103,125,000 | 89,219,000 |
| Equity capital | 63,101,000 | 64,768,000 | 66,967,000 | 70,163,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 10,174,000 | 20,403,000 | 31,169,000 | 42,073,000 |
| Interest expense | 3,591,000 | 7,311,000 | 11,299,000 | 15,529,000 |
| Net interest income | 6,583,000 | 13,092,000 | 19,870,000 | 26,544,000 |
| Noninterest income | 1,254,000 | 2,570,000 | 3,970,000 | 5,246,000 |
| Noninterest expense | 3,888,000 | 7,621,000 | 11,737,000 | 15,851,000 |
| Provision for loan losses | 0 | 192,000 | 312,000 | 412,000 |
| Pretax income | 3,949,000 | 7,849,000 | 11,791,000 | 15,523,000 |
| Income tax | 1,094,000 | 2,553,000 | 4,023,000 | 5,099,000 |
| Net income | 2,855,000 | 5,296,000 | 7,768,000 | 10,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,438,000 | 65,710,000 | 67,011,000 | 69,697,000 |
| Total capital | 68,029,000 | 70,514,000 | 71,889,000 | 74,547,000 |
| Risk-weighted assets | 440,084,000 | 450,357,000 | 468,203,000 | 486,378,000 |