Call reports 2014
STATE BANK OF SOUTHERN UTAH — 2014
What STATE BANK OF SOUTHERN UTAH reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 766,821,000 | 793,034,000 | 813,942,000 | 825,809,000 |
| Total loans | 451,868,000 | 458,401,000 | 461,421,000 | 472,917,000 |
| Allowance for loan losses | 9,352,000 | 9,127,000 | 9,208,000 | 9,229,000 |
| Securities available for sale | 246,134,000 | 260,963,000 | 280,546,000 | 285,333,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 653,685,000 | 680,499,000 | 696,395,000 | 706,212,000 |
| Interest-bearing deposits | 526,778,000 | 540,754,000 | 547,635,000 | 553,786,000 |
| Noninterest-bearing deposits | 126,907,000 | 139,745,000 | 148,760,000 | 152,426,000 |
| Equity capital | 93,380,000 | 97,073,000 | 98,546,000 | 101,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 7,376,000 | 14,936,000 | 22,547,000 | 30,425,000 |
| Interest expense | 896,000 | 1,806,000 | 2,684,000 | 3,506,000 |
| Net interest income | 6,480,000 | 13,130,000 | 19,863,000 | 26,919,000 |
| Noninterest income | 1,584,000 | 3,243,000 | 4,841,000 | 6,198,000 |
| Noninterest expense | 4,451,000 | 8,712,000 | 13,128,000 | 17,784,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,613,000 | 7,661,000 | 11,576,000 | 15,332,000 |
| Income tax | 1,085,000 | 2,420,000 | 3,605,000 | 4,793,000 |
| Net income | 2,528,000 | 5,241,000 | 7,971,000 | 10,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,577,000 | 98,290,000 | 100,210,000 | 102,608,000 |
| Total capital | 102,535,000 | 105,358,000 | 107,385,000 | 109,889,000 |
| Risk-weighted assets | 553,745,000 | 562,862,000 | 571,438,000 | 580,025,000 |