Call reports 2016
STATE BANK OF SOUTHERN UTAH — 2016
What STATE BANK OF SOUTHERN UTAH reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 894,023,000 | 893,147,000 | 942,852,000 | 950,371,000 |
| Total loans | 534,097,000 | 547,785,000 | 564,784,000 | 575,629,000 |
| Allowance for loan losses | 9,229,000 | 9,232,000 | 9,285,000 | 9,362,000 |
| Securities available for sale | 284,022,000 | 269,857,000 | 298,912,000 | 297,026,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 755,923,000 | 753,536,000 | 802,261,000 | 809,119,000 |
| Interest-bearing deposits | 577,195,000 | 567,174,000 | 586,385,000 | 598,344,000 |
| Noninterest-bearing deposits | 178,728,000 | 186,362,000 | 215,876,000 | 210,775,000 |
| Equity capital | 114,702,000 | 118,695,000 | 121,348,000 | 120,192,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 8,703,000 | 17,657,000 | 26,978,000 | 36,181,000 |
| Interest expense | 814,000 | 1,621,000 | 2,423,000 | 3,222,000 |
| Net interest income | 7,889,000 | 16,036,000 | 24,555,000 | 32,959,000 |
| Noninterest income | 1,690,000 | 3,536,000 | 5,805,000 | 8,588,000 |
| Noninterest expense | 4,882,000 | 9,776,000 | 14,647,000 | 20,533,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,710,000 | 9,813,000 | 15,743,000 | 20,478,000 |
| Income tax | 1,500,000 | 3,120,000 | 5,040,000 | 6,873,000 |
| Net income | 3,210,000 | 6,693,000 | 10,703,000 | 13,605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 114,725,000 | 118,108,000 | 120,793,000 | 123,366,000 |
| Total capital | 122,513,000 | 126,082,000 | 129,298,000 | 132,075,000 |
| Risk-weighted assets | 621,065,000 | 636,147,000 | 679,140,000 | 695,570,000 |