Call reports 2015
STATE BANK OF SOUTHERN UTAH — 2015
What STATE BANK OF SOUTHERN UTAH reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 855,282,000 | 850,918,000 | 864,651,000 | 867,629,000 |
| Total loans | 481,136,000 | 494,584,000 | 510,634,000 | 524,958,000 |
| Allowance for loan losses | 9,216,000 | 9,194,000 | 9,333,000 | 9,262,000 |
| Securities available for sale | 306,061,000 | 301,195,000 | 300,370,000 | 284,338,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 727,112,000 | 723,480,000 | 734,397,000 | 736,889,000 |
| Interest-bearing deposits | 562,279,000 | 561,465,000 | 566,740,000 | 571,012,000 |
| Noninterest-bearing deposits | 164,833,000 | 162,015,000 | 167,657,000 | 165,877,000 |
| Equity capital | 104,593,000 | 107,301,000 | 109,363,000 | 112,157,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,850,000 | 16,281,000 | 24,742,000 | 33,298,000 |
| Interest expense | 810,000 | 1,634,000 | 2,473,000 | 3,303,000 |
| Net interest income | 7,040,000 | 14,647,000 | 22,269,000 | 29,995,000 |
| Noninterest income | 1,535,000 | 3,281,000 | 5,109,000 | 7,018,000 |
| Noninterest expense | 4,593,000 | 9,025,000 | 13,696,000 | 18,849,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,982,000 | 8,821,000 | 13,600,000 | 18,085,000 |
| Income tax | 1,230,000 | 2,862,000 | 4,322,000 | 5,938,000 |
| Net income | 2,752,000 | 5,959,000 | 9,278,000 | 12,147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 104,694,000 | 107,901,000 | 110,046,000 | 112,915,000 |
| Total capital | 112,240,000 | 115,683,000 | 118,064,000 | 120,977,000 |
| Risk-weighted assets | 601,624,000 | 620,620,000 | 639,586,000 | 643,267,000 |