Call reports 2009
STATE BANK OF SOUTHERN UTAH — 2009
What STATE BANK OF SOUTHERN UTAH reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 623,362,000 | 641,231,000 | 656,588,000 | 671,815,000 |
| Total loans | 451,145,000 | 448,374,000 | 449,280,000 | 453,224,000 |
| Allowance for loan losses | 5,376,000 | 6,792,000 | 8,650,000 | 11,078,000 |
| Securities available for sale | 125,002,000 | 145,467,000 | 169,277,000 | 162,822,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 508,418,000 | 526,282,000 | 541,559,000 | 556,982,000 |
| Interest-bearing deposits | 425,088,000 | 443,007,000 | 455,980,000 | 465,389,000 |
| Noninterest-bearing deposits | 83,330,000 | 83,275,000 | 85,579,000 | 91,593,000 |
| Equity capital | 78,453,000 | 78,518,000 | 77,093,000 | 78,067,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,975,000 | 16,380,000 | 24,309,000 | 32,226,000 |
| Interest expense | 2,892,000 | 5,756,000 | 8,321,000 | 10,633,000 |
| Net interest income | 5,083,000 | 10,624,000 | 15,988,000 | 21,593,000 |
| Noninterest income | 1,618,000 | 3,267,000 | 4,807,000 | 6,285,000 |
| Noninterest expense | 4,212,000 | 8,539,000 | 13,474,000 | 17,668,000 |
| Provision for loan losses | 175,000 | 1,740,000 | 4,283,000 | 8,057,000 |
| Pretax income | 2,314,000 | 3,612,000 | 3,038,000 | 2,170,000 |
| Income tax | 150,000 | 1,110,000 | 1,920,000 | -105,000 |
| Net income | 2,164,000 | 2,502,000 | 1,118,000 | 2,275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,981,000 | 77,313,000 | 75,423,000 | 76,574,000 |
| Total capital | 82,678,000 | 83,793,000 | 81,937,000 | 83,225,000 |
| Risk-weighted assets | 513,905,000 | 517,792,000 | 518,544,000 | 527,144,000 |