Provo Daily Herald | 1996-01-24 | Page 16

Page B8 THE DAILY HERALD, Provo, Utah, Wednesday, January 24, 1996 Eiocal Busines! DILBERT iWT, YOUR, By IS TO TEST 3DG ttY NEW INVENTION I HIS VOUTHFUL CURIOSITY IS NO THAT BLOCKS KIDS FROA SEEING DIRTY PICTURES ON THE TECHNICAL BRILLIANCE INTERNET. Zions SALT LAKE CITY Bancorporation Monday announced record earnings for the year and quarter ended Dec. 31, 1995. Net income for the year was $81,328,000 or $5.53 per share, an increase of 27.4 percent and 26.5 over the percent, respectively, $63,827,000 or $4.37 earned in 1994. Net income for the fourth quarter of 1995 was $22,515,000 or $1.53 per share, an increase of 30.1 percent and 29.7 percent, respectively, over the $17,306,000 or $1.18 earned in the fourth quarter of 1994. The return on average shareholders' equity was 20.47 percent and 21.18 percent, respectively, for the year and quarter ended December 31, 1995. Total dividends per share increased 21.6 percent to $1.41 in 1995 from $1.16 in 1994. Harris H. Simmons, president and CEO of Zions Bancorporation, noted that the earnings increase was primarily attributable to solid revenue growth arising from continued strong loan demand. Net loans and leases in the bank's port HOPE THAT WAvSN'T THE SOUND OF EYEBALLS AY KATCH FOR Zions records banner year scou Adams GETTING REALLY DIG. Iff Local Highlights LEHI Covol Technologies Inc. Monday clarified that it will implement a 2 for 1 stock split in its common stock through an amendment to the company's Certificate of Incorporation. The Certificate of Incorporation will be amended to provide that each share of common stock of the company will become two shares of common stock effective as of full-servi- - 785-500- from Huntco Steel. 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Of the resulting; 1,577 total positions eliminated,; 249 employees chose to leave the; company voluntarily, 82 employ-- ; ees will be placed in a redeploy-- ; ment pool, 211 positions were; absorbed by the hiring freeze, SmCap 10 .12 441 4.03 1274 676 643 ITCorp FLIra 4.02 8.48 6.49 12.92 676 i To keep involuntary separations, 10.91 401 041 6.26 126 1792 EojnCm GCvCm :.' 10.91 48J5 4471 Stall I 977 4.04 VaUl 10.12 102 7.17 7.17 a 27.93 15.93 ErtCm 4.05 Convit 441 Eokc 403 FjrfA4.04 ITCap 14.51 1451 11 SterEI 041 Craea CpBdBa GEojn GCvBa GSo3n GraxSa Hal a 0.02 .. 442 .. 10.41 1274 6.77 1.77 10.7) 4.04 4.02 142 13.38 VEkAseCiijCj Namt associated with implementing ;a redesign project like VISION. This is a complex task that requires assuring that everyone understands" what they need to do and the time" frame in which this implementation must occur. Changes will need to be carefully sequenced, and all of this must occur acrossour expansive geography and across organizational units." 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FeoSoBa 4044 15.71 16.67 STGH 44.04 15.69 ShTa Intmffl 441 12 BtCripa 1477 Ednrta 631 0.42 4.02 9 1276 0.03 1137 4.01 8 4.03 AwhEfl 16.91 Boncl 4.11 . 442 6.46 6.85 ReEnA 44.16 15.94 4404 1142 4 13.91 BbCNpA 11.07 2191 141 CapBa 042 Ec 442 --043 GfeSim -- 041 13.91 1372 10.70 1142 13.57 . 544 10 58 10.58 1047 159 544 TSlWFi 14.74 120 9.58 158 TSAWIrdl 442 4.03 044 2191 604 100 442 041 4 42 PATFAa PeoAre 4044 TABGEI 101 0.04 25.39 25.39 USGvSM , . Htq 1072 6.94 9.39 um 4.02 SMKIoEq 1072 GUnAia USGUm . 193 USO.Aai 441 Gteatini 15 46 1673 15.84 Hi) 402 0.04 MulriAm 1641 144 10.77 441 10 .12 1544 TElraAa USGBa 1374 40.02 1076 10 .12 1544 TEkaB U1374 ObHm 10.15 10.15 BelAafia 411 HtncBiH 236) 404 NtxAa 21.00 4.03 11.44 1114 TiEST 44.01 150 7.14 7.14 GoldOpA 441 405 12.83 1074 4 11.36 20.41 1833 4.60 10.83 1741 Mr4Qn 439 GHAatA 19.44 ICMSC 4 40.02 LinMIAa OSILM DMncSa 13.98 klTFAn 0.03 DMrcA 13.32 0.05 4.01 15.61 aa&i AaeAm 4.03 BelAlAa GrSeB 20.33 20.33 4.01 13.61 147S HgGa 041 34.51 Frdnl Fidnca 29 16 57 1155 13.57 . 15 57 19.57 ;4.02 10.74 10.74 SuiAijrrkiFiii Equty USGOAI raOdBa MAttula 042 29.00 12 FlMuO SureKY Gatl 28 48 29 DvcSfBa 0.02 STMui 142 ToW 10.47 10.48 10.48 1174 32.92 U10.16 TIT 10.64 I VsStTE - 10.44 0.05 TxEkt 189 10.54 10.13 11.77 10.64 32.92 VaEHB 441 1171 9 opw 40.04 11 HYMuAffl 35 kaMu 0 02 4.04 16.17 11.33 4.04 Seed 92 mm 9.49 9.49 10.34 16.17 USGH 35.39 9 103 Hurfid 10.34 SfiSi 442 LTBnd 403 001 NYTE itt chug bU aik chna Narne 28.40 28.40 4043 142 GdncAa HarMa 4.04 11.48 11.48 4101 1141 bid 4041 OSIDV 1171 quarter. Spencer F. Eccles, president and CEO of FSB stated, "With the results that we have outlined, we realize the challenges and risks 192 hq 740 7 ed year-ag- o 14.38 1442 1579 STGH 2117 1973 10.96 1096 d. Fully-dilut- 10.48 1579 441 fully-dilute- GT97 m Groati ST Bd 2177 1973 x, pre-ta- GScAa . 002 1077 restructuring charge of which equaled $44 million $27.7 million after tax or 55 cents per share Net income, including the restructuring charge, totaled $120 million for 1995, the second highest in FSCO history, but down $20.1 million from the record $140.1 million earned in 1994. Net income, including the charge, was $8.8 million for the fourth quarter of 1995, down $26.1 million from $35 million earned in the fourth quarter of 1994. Net income, including the charge, generated a .28 percent ROAA and a 3.37 percent ROAE for the quarter, compared with a 1.16 percent ROAA and 15.57 percent ROAE for the year-ag- o quarter. earnings per share, including the charge, were 17 cents for the quarter, down 52 cents for the e 4471 5.76 5.76 21.70 2174 G4 15.62 1001 ue. Associated with VISION was a one-tim- GrGvAm CtfEq 40.01 SmCpCq said. "We completed the acquisition of First Western National Bank in Moab, extending Zions Bank's reach into the southeastern corner of Utah, and we established a new 444 102 40.01 HTEBd Ec 16.63 16.83 10.76 10.02 10.36 12.15 12.72 11.12 Balw 10.76 16.09 1042 - 12.03 1243 FMala 12.16 12.75 042 0.09 CIBBal GroEq 15.80 13.33 14.17 14.17 18.41 17 .14 17 .1t 4141 TtOa 442 SpEf a 402 Savdla 141 Tilda TtKBa 1 USGda 13 1141 Beta) SpEaAa SUnA CflmrBa 11.48 10 40.01 441 Dacn 441 GSc krSd M CapApp 62 1379 - TanGrEq 047 . 1379 . TaetdGV AaaPc .. 1104 M71 1245 12 02 12.02 LP2040 042 441 Saw 16.94 1347 1041 196 IP2O30 4008 13.50 11 1071 1032 11.71 16 13.04 1151 TbaMb 11.71 11.92 1255 1347 SMTriri ion ton LP2020 12 11)4 CTTFJa 1111 1179 MoMuAa 4 I0H MATFjnb 1179 MadGrA 13 10.11 1148 LP2010 MqGtAa 1178 .1. . 174 8 54 6.67 CAUuta 9.86 9.50 9.50 12.51 40.02 VtOa 10.02 1042 441 Van afeftMtal 8.57 11 74 10 1046 10 041 9.61 9.43 13 11 .. 10.63 104 044 StarGva 103 Strifa a 112 4.02 STAR 441 InNYAa 142 FVafia GvScSa 4 03 GrOpB 108 Gm8a 003 HexBa AHA WE4 .. f'6. "Z 01 .... 1186 442 1148 101 (4 1172 LP2000 103 SfeUrB 401 SHnc keCAMna ASia 9.80 9 TP1996d 1151 1045 101 . 77 1070 1644 1442 1182 10 14.41 40.02 192 16J2 1148 14.01 4001 1411 10004 1115 14.01 4.0) 403 1140 1604 :, 1740 6 9 MSP AmUti 19 0.01 SKUA GSP 401 1942 441 1 HrCpAa HlYUAM 1005 10.85 4.16 9 68 1006 19.62 1061 968 ArMg 442 1942 88 TFEB97d 0.01 402 9 CorpBd 10.71 PrriVA 9 17.40 - irastForCredfli T'2 . Gmti 9.69 CmS 12 47 MAMA 17.40 AstJ 10 FdVatAa 969 VNoffl 0.01 11 GOMAa 15.17 40 41 8.93 9.93 0.02 119 UdMat GovSec 16.92 4041 4.02 10.64 041 37 05 4.01 AgGrAn ApprAa A7MuAn Trinl 0.03 $Kt '4 041 10.56 10.56 13 4.11 SHTsrt 1094 14 11.70 0.01 17.05 9.49 9.49 8.91 191 4044 10 041 10.60 16.92 MEtf 9.60 9.64 PrMla 447 Gn 403 10.00 1031 GrEq InSd 13 39 0.02 4.08 434 17.01 1741 11.70 BriJck 042 USTAI 7 50 7.60 13.05 M.7! GvSeoa wnd Hot 654 11.12 11.64 SnrW Pitta lit 1153 re S4P600 173 873 7.74 EinoGra 442 CAS ' ; 13.79 4401 A 4.01 30 70 32.32 142 44.13 14 13.17 Dvmiai 4.03 102 PrrAI 102 102 7.99 131 7 fefeefliMteiii CpSb Bean 441 9 ArJjGvAb 444 bWIVAt 110 NrAeta OrTiAa 4.03 WSShTKl 847 187 041 ttSaCM 1IJ7 1177 0.01 4.04 15.91 4404 111 OhioTiAa 1041 13.59 10.69 4176 1070 10.03 10.03 44.11 10.71 10.93 1371 13.59 1037 4176 15.91 1177 17.43 1441 17t 11.64 40.06 1070 1641 1660 NarttkiA 1262 12.17 11.64 13.59 1177 1117 HrT 1041 12.17 13 1641 1171 NVTiAa 1001 0.03 BChGd 0.03 EmgGrl GtiSt SpEoual kMAra GBrrCAa McTiAa SMi 11.53 446 SoEqut GkaTchO MoTiAa 4.03 21.63 1141 1573 10.54 10 4.08 a 4.05 HtncAa 002 kicfttAf 20.91 2195 20.29 SmCepGf TiFim 13.83 40.02 1152 163 20.66 407 CaTuAa CaTtira CapFS 1419 134 1476 10.02 1573 042 17.49 17.49 1044 1979 1172 . 041 1971 10.72 4 402 1352 (rSCaVal 1476 CATFkin 045 GtftcAai 09 20.09 1144 IncornAa 4003 m 44.12 ShGdnc U2O kaCa HTSdla UN 11 AS CATFAffl GNMA BCn GKwO 11.68 3871 44.13 Vnrfm 304 10 157 406 3041 10.00 11 4.00 0.42 SniCapYld 14.19 SCF&wj 1231 27.66 2788 1643 041 141 12.31 14.93 405 SrerriTnutg 0.03 108 1116 ScecVan USGMAm 442 10.05 10.05 knOGfS 14 66 10.11 157 Ufiria 10J7 175 14) -- 171 4.01 14 10.13 NA . Tafltt 0.05 EmGrB GrlnS AAA 741 4285 442 27.42 40.06 7.46 NA 1397 25.11 GbGroA 42 442 27.42 kuc 142 SArfcV SoatfVia 2372 25.13 1287 15.65 4101 0.06 2372 0.03 SkatGti 0.03 SMDv 14.02 10.44 16.11 047 PrtaEq Soecal 1411 1089 12.37 142 19.11 1111 442 Fain 4441 Grm 158 1475 402 042 -- 101 13 144 f . 0.02 12.00 Mil 441 1042 1247 111 81) 644 875 188 KfJ!S 7" GvSci USGvin 12.00 411 1668 -- 0.02 IP2040 Hi 1168 4.03 11.62 IP2030 491 W0S!aB3Em 17.11 TaeeoAn Cpkx6 nt the company's 'efficiency ratio,' or the ratio of noninterest expenses to net revenues, improved to 59. percent from 63.3 percent in 1994, reflecting the company's ongoing efforts to increase productivity," stated Simmons. "Last year was a stellar year for Zions Bancorporation," Simmons AsBffl 10.39 10.71 LP2020 KW Cap SterraTntstg 20.18 20.18 1177 279 UTiAa KllTiAa ft, 38.71 SpPtSk TinyH . 405 1662 970 970 9.55 1.55 1346 LAMuim 6.77 1.77 1344 14.04 TocoAb Tofitm Nafl SoPtCi 4.01 9.93 9.93 CanAora 12.86 13.35 40.03 SoTrVSlia 12.54 12 Tnofr 0.01 kioGrS 1247 6.76 . 441 10 UflGvm 4.04 4.02 0.03 GfinCO 176 9 0.02 10.18 UdMIn mi 1045 0.02 13 11.53 8.93 6.93 26.18 40.04 SoTrVEM 12.61 13.54 10.16 25.20 0.04 1279 Uktum 1153 SoGenm 17.81 1741 LTInciii W 12.73 40.03 ScotSi 13.71 Wktu AntBd 1275 11.70 GnAa 36 402 279 2J7 STCMai 401 11.70 1072 IS 045 442 10.08 4.01 GATlEAa 9 11.71 11.79 10 1124 10.57 1057 mid HrfUm 1170 11.79 hcorfll 1174 1072 16 10.12 10.60 HYUu LP20I0 GtltM 16.38 HtOrAre 4.05 13.78 13.76 44.04 11.71 15 GroAm 24.58 GoUm 1341 441 SOOvrSn 13.93 14.59 40.04 1290 GnncAm 24.58 GroxtrS 11 t 0.03 Gnr3k 12.17 40.03 102 1515 1041 442 1117 0.03 GNMA . 10.13 10.60 12 66 12 Eoul 441 10.13 IP 2000 13.10 13.75 12.45 12.45 1072 9.75 475 Gtnc 0.02 1141 CaTTF SrtGMm 0.14 12 1041 itSm F8jjk4j 4045 4.02 10.95 11.47 0.05 1871 40.11 17 10.04 FNuAm 1072 ktUSGv 11.48 2347 1770 10.52 1052 12.45 1096 23.07 1245 GroatO 14.16 Eg. CalAoAia 0.04 4.01 CapOp 1142 40.07 1774 CapGrlm 13.55 SfemlrsatA 4441 10 95 10 95 104 0.05 CpGrT 1142 1.19 1.19 GrtncS 10.82 49.54 Strty 0.02 0.04 TecD&b 4447 11 1373 5.72 472 MutJiJC KgrJGrC 11 1773 1.02 1.02 CpkcS EmGrS 14.11 14.11 13.56 1773 14.44 Imnlb 4.01 CobTiAa 11.56 14.09 . 14.44 4.02 11 USGnb 10.75 10.75 SAFETatf 10.01 1041 EnCm KC 0.01 18.49 4042 0.03 16.52 16.52 4041 1115 Bel -- 1541 Ut M 11.73 11.73 14.93 40 AgGrC 13.12 13.35 1343 11.35 SpShb 9.90 9.90 kr3 14.SC - 1279 kOtum NVHri 10.49 Bend AmSnb 10.87 1047 HEin SmCap VUPIb -- 182 108 154 8 Si,b 13.50 MGr 141 14 8 26 1143 13.45 13.45 13.50 411 UdCalm 0.64 0.64 POB One CmStfla Cm r CmOi FUliAa - lfarsaaPa 11.31 1111 Aaaim 105 442 4 02 13 1153 SPSOOb 29.93 29.93 0.77 0.77 Attocb 0.05 CrnSKAa 141 441 1137 itt 12.04 12 httSSSfi'tA AtJJW ti 11 1142 1178 " rss wv" . net revenues nt division, Zions Small Business Finance, to leverage the company's expertise in SBA loan programs through the generation of uaranteed loans in major markets throughout the country. We engaged in a number of initiatives in the electronic delivery of banking services, including an electronic service, becoming the first bank in the nation to introduce Visa's personal computer home banking system, and winning a contract with the state of Utah to provide one of the nation's first programs for the electronic delivery of benefit programs We also established a dozen new. banking locations, including the first bank branch to be located on the Utah portion of the Navajo Reservation." Simmons also noted that 1995 had been a banner year for the comThe compapany's shareholders. ny's average compounded total annual return to shareholders for the, past five years has been just over 42 percent. government-g- increased 15.4 percent to $319.1 million in 1995, while noninterest expenses rose 7.9 percent to $ 1 88.7 million. "We are particularly pleased that Nam ttY chin; bid AmMb 0.05 Bond 15 11,11 11.63 141 1391 15 v.ixim 7J7 498 111 154 111 178 131 SnPb i, i. Scrrfrjm 1417 Et 1570 VakxT 771 14 1S70 405 13.67 1144 13 TaiEiai 15. 17.48 1377 11.16 11.16 1275 PATE 9.61 15.89 17.46 10.95 10.95 1144 WBia 14 42 15 1441 13 9.61 CapAe 0.U6 441 Matib Taxable-equivale- LnGt 13.67 BalTr " OrieA 11.14 12.53 944 ask chag Name bill 1377 AqgGv 14 OTCUra 11.14 0.09 HEqB Name chug 1479 PATu 041 Paplfq OKTXai 10.66 9.84 iih 1479 13.14 13.14 fully-dilute- six-mon- th OHTii 2895 44 55 4074 106 6 113 158 10.66 1243 katall ge corporate redesign which included a major restructuring of FSCO to better meet customers' needs and to increase efficiency, performance and shareholder val NYTu SmCoVal 10.84 CvGrb 0.04 HMnb 17.48 40.10 KSTF 17.12 40.09 FAfckib 4199 18) 148 19.74 19.74 10.55 tm 3151 EaVkb 043 . 0.03 2.00 0.42 145 1173 ST 10.02 10.57 1057 . JIb 4.41 100 19 BtJdsb 041 in A!t Aaafln 102 AAtaSai -148 AAOdlaj 4142 (.IM 042 ns WJ4 Voal 44 Vakab 1173 12.40 12.40 10J4 44 12 41.58 4.02 15.74 15.74 50.53 50.53 40 35 SirttqT 41.58 111 WEqTr kfojnrjT 1962 19.62 HEq Srrfb 4.03 12.12 Zr2000 ? 49.54 Core 6 890 12.12 VtU SSITrtJl 2896 1042 8.90 MAUI 240 AM 1040 kWB 9.77 9.77 tone 5" 55 IS 5m 14 1147 0.04 9.83 9.83 m.t, 117 19.36 002 13.99 13.99 HeoTF rill 941 1941 1052 3131 1077 6.64 6.64 12.06 1246 IUT CppDhb FMrtTr Si1" 8.08 8.06 WlrTF CWEq m 403. NafaAai k:;r GNMAb 11.48 4042 MNTIai 070 041 1042 em. 0 42 43.91 18.99 18 99 40.07 0.02 10.01 041 11 43.91 UAnd 17.36 441 401 11 MFD 14.94 40.01 4.03 151 197 171 167 111 I 120 166 H 58 17 hfid BrSSll cFib Etndb 0.10 1178 10.66 Grim 0.03 CpexAre EmGrAra 10 1077 Pre-charg- 0.04 SBEU6 10.78 10.79 -- 0.04 10.97 10.97 19.01 4042 M 043 17 1747 m 13 63 13 63 1473 132 171 1 keen 12.85 ReyoC 14.56 15 44 10.86 10 R3fl 0.03 BdiTnob 15.48 16.42 - 20.29 44.01 12.11 12.11 RenGrra 1609 tncofn MM . Gwijia rz,. 2079 TiFHi 4044 Grokiei fr,- Gmki 0.04 19 48 20 65 4041 FlTm 14.00 -- 0.03 1478 DviEq m 441 10.66 161 112 1393 HYAdn ttmtoOxmi EndCroa 10.07 CapApr ' Caw TMM GaB NA 4116 . . 976 4805 46 a.va 14 AZTEra 1014 1440 4.02 11.49 20.41 IZZi 041 01 SPiODia I 17.12 EmGrb 1.94 641 1774 441 184 178 11.71 17.46 REM AAGtlAI 36 0 41 ST"" 10.55 941 14.74 40 10 U14.16 441 10.55 44.01 117 1223 13.19 Nuwl 4.05 Ml Otloe. U 13.19 . Nima 1140 17 7t I2H 1224 1107 ' 1747 SmViff WEqm 17.00 10.18 286) If 38 11.64 Grtncs 1164 GrEuGn 10.07 10.07 40.02 IVM 10 1144 447 16 .11 6.96 6 SrtGvb . OctStkY 14.04 14.04 44.01 16 .11 1341 1042 36.11 97.42 40.15 1442 15.36 12.17 12.17 1272 14.99 1341 HGvb 1645 tWWOB kMICBii 042 14 0.03 11.18 40.02 4AC 10.43 10.43 Gdd 12 4447 4044 GHMA 12.69 1479 fUAJtf 1142 9.76 9.76 7 7.38 0.02 OTC Wk -- 0.05 041 38.67 40.01 . (Mi 12.97 1297 11.47 20.78 38.87 0.02 1044 1147 10.64 20.78 Dntl 0.06 13.93 . 1643 10.64 CapGI 44 13.93 4041 1347 kkiioe " DvAdiK TEPrtm J7 92 4101 1461 1347 -- 0.04 1071 444 NA Vojt 11.94 I JiHL NA 14.40 14.44 11.94 974 12.16 12.82 2412 Voag6ii Voy 1.62 4.01 10.92 660 860 N0p AACnAf 1.41 174 II M 1444 1041 1092 0.03 AABalAf AKaMra WGc 13.10 13.10 mm VataBm 0.01 401 6.06 HEa kteUe USGiBia 15.52 044 11.1t 4.42 44) AtStAa kaBati 15.52 11 11.39 1065 1.62 1.97 4281 Til J -- 0.04 13.00 1078 s.39 aaje Grtne 403 kaTEm GrfMn Eoka 84 TFkm CaiTz --0.04 17 1179 URSA 40.02 9.90 9.90 Wm fniSS&iiivA 1 14.68 11.19 . fc? ' . 14.68 TFMYBia . 14.15 14.15 27.03 558 Nm 4.02 9.08 9.06 407 17.44 Marnti 041 SBC (ran 14.09 40.03 ScnaVa 13.10 1310 045 10.93 10.93 NrtBni PKGtin Si 4.03 n ftfedsipKW 4 PnrataS 4407 26.03 4044 42 0.06 898 4043 27.03 1245 jm 1247 GSmCo 7.53 7.53 uSGBd 1672 12.07 GtfirJ 5 uauvw 1672 U11J2 PAMud 9.12 1.12 OvSoB 14.15 11.11 Bttcfc , -- 0.02 0.02 Grki 151 ItfneoKb 0.03 14.95 ktGfcfia) Brad SWT - i2 Jmfi 8.98 13J5 1449 446 TiEiBn 14.13 14.13 kkr 3 -- 041 18.79 18.79 40.08 1171 ST 8 0.05 1.16 9.16 umn 14.15 -- PMTNili OHTX 0.05 SOa 4004 PtoErGai 4.02 12.46 CasOpp 12J1 11.87 52 14.52 15.01 TF '406 160 HJTiBm 15.01 1.55 954 0.03 MS 117 1170 13.75 13.75 16.47 1647 AdBdb 4441 0.02 16.45 GroSn -- GTS 0 06 11.17 11.17 0.01 35.56 44.14 1022 l&tt 5 am 16.45 1072 5 001 35.56 14 402 12.94 12.94 40.02 Ecd pre-char- ehna Name' bill bid Name 403 AcM 9.95 9.95 World Beared 10.00 10.00 yrtG, ask cling bid Regional Stock j'2 Gttn 1'L "F 4.01 MwOpBffl kme 5J7 5J7 USmt 10.74 NatRd 12.46 1756 GvSec AGu IIITt 0.04 trtSdb 1045 0.01 4.04 15.75 40.03 116 7.87 7.99 HI J 041 11.89 1149 1276 GmrUti kaGm - 1271 10.65 10.65 EuGiS "0't, !. 2 "J MI MI 044 Hire 16 ktcCac Pinwd 041 8J9 139 aja Bio 9.12 9i2 9.19 419 KNTX 1275 41142 14.3V .in fcc 0.05 tO.01 4.96 10.74 KaTXii 15.75 13 68 1476 Gdncai MStS 4 ktUSB J" 10.77 40.02 Vakim 7.18 7.16 IKMOp i 11.62 11.62 12.14 12.10 B KuOHBs 441 5 4.01 1271 n IncofTtfi 1276 80 10.80 90 i rt in 4.07 0.02 9.66 9.66 HiYkfim 1275 1141 1242 4.07 17 9.76 15.94 15.94 HVMB towjSfoa ?, f. .. Mj'ttraBB 41.46 41.48 4070 Bwa 21.77 21.77 40.06 TiFna 28 161 0.05 15.48 40.01 1477 10.77 AofM MGiB 10 1471 15.41 1477 178 444 0.03 15.41 ; IraktesFls 40.01 9.32 atk chna Name bid quarter of 1995, up $1.6 million from $35 million earned in the fourth quarter of 1994. This net income for the quarter generated a 1.15 percent ROAA and a 13.95 percent ROAE, compared with a 1.16 percent ROAA and 15.57 percent ROAE for the e, d year-ag- o quarter. earnings per share for the quarter were $72 cents, up 3 cents from the year-ag- o quarter. On Dec. 14, 1995, FSCO announced the results of Project "VISION," a comprehensive, credit facility provided by Bank One. The credit facility will be utilized for general business purposes. The new credit facility has a term of 2 years with additional extension rights. Over the term of the loan, interest floats at 175 basis points over LIBOR. Should the company obtain a rating on its senior debt, the spread would be adjusted, commensurate with the rating obtained. The GwlID o.ol HthBm --4.01 10.77 SnComB 441 4.76 4.76 TS 4.02 7.91 8,39 U41 1481 195 15.85 1674 12.31 Guma 4.43 103 1 NMuA NiehAa 12J1 GrinBm 1045 MsA HTFo 10 044 4.43 Inconin kc StCohA 0.04 JlW 20it ST 0.04 12.59 171 173 19.12 2342 0.04 44 19 1111 9 86 10.46 40.01 2247 044 GoGvCl 11.19 TtfiK &tm Pmin . Sok1 1264 10J6 042 Ttfil 445 TFH 442 0.02 862 HrSi 2158 -- GddDi 1.15 SpcGr . 1247 GeoBn 12 kkMb 0.01 11.68 0.04 1271 1053 9J2 U.J44 ? 2! NYTF SHUSG 1695 406 2304 0.04 0 Euop Fund 23.04 4405 11.24 4.03 Ei 4.89 8J9 4416 11.24 16.33 16.33 32 0.04 1947 4411 3471 443 STGb 9.56 10.01 . 10 46 10.46 11.61 12.18 12.56 1053 40.03 14.35 1435 11 11.95 12.32 19J3 19.33 4041 11.04 11.04 12.26 MuOHA 13 Eu&tiia 1149 IUIIA 0.03 13 Fare 404 RISK 154 0.05 3471 0.02 CMnBm MuNYA -- 0.06 1947 ST Bd 10.14 10.62 0.03 Gb:Bii (neon NJTF E.T. 10.47 10.79 EoUBffl EoWS 041 7.73 7.73 NHoa CapGrB NA 9.80 9.80 (jttffld IVLAa 52 IS aw 1449 4041 !!J' 12.05i12.CS 12.72 42.72 Fort HuHiAn TJ.ur 8.24 8.24 BarSrA -- 0.04 1043 S5 55 15 H.W , 0.04 11.38 11.73 11.1t 11.54 11.64 1159 FUntt FEF 13.22 13.92 MuMm fts&a&Fac&ClS Eimn 14.01 CapApr Bel chug Cm MuMa PetGiAa 0.03 lit bid ES ? ST Go 13.15 1341 15.91 MagCa GovSec tti tnkmiGmt Nam chng chin Nam isfc Net income, excluding the "VISION" restructuring charge, was $36.6 million for the fourth ty Inc. Tuesday announced the closing of a $25 million unsecured 0, SALT LAKE CITY- - ot SALT LAKE CITY First Security Corp. Monday reported net income, excluding a restructuring charge, totaling a record $147.7 million for 1995, up $7.6 million from the previous record of $140.1 million earned in 1994. JP Real- SALT LAKE CITY m First Security earns record $147 million to a record $2,138 million, or 22 cents per share, compared to $ 1 .680 million, or 18 cents per share, for last year's comparable period on a fully diluted basis. Second quarter health care revenues grew by 22 percent to a record $7,939 million versus last year's $6,530 million, while total revenues increased by 32 percent to $9,756 million compared to $7,394 million last year. Society (APICS) Sundance Chapter will host their annual executive luncheon at the Ruby River Restaurant in Provo on Thursday at noon. Executives from Utah Valley companies are invited to attend the luncheon to find out more about APICS and its mission in educating the work force in resource management. The keynote speaker will be Charles M. Acklin from the Game of Work. For more information, call APICS at ext. 152. LOGAN Cache Valley Electric Company has recently been awarded two new electrical construction and engineering projects bid SALT LAKE CITY Research Medical Inc., a manufacturer and marketer of disposable devices for cardiovascular and vascular surgery, Tuesday reported record revenues and net income for its second quarter ended Dec. 31, 1995. Net income grew by 27 percent SUNDANCE The American Production and Inventory Control 0. ask chng Name 1 ar home Feb. 1. It is a health agency and Medicare-certifie- d hospice program. The open house commemorates the newest branch office in Salt Lake City. The company, which began providing services a little over a year ago, was started by Carl and Kaye .Lopez of Orem. With offices now in Provo, Salt Lake City and Pleasant Grove, Health Watch is capable of providing home health care statewide. -- The open house is scheduled to begin at 4 p.m. and will include an explanation of available services. For more information, call (801) bid ot PROVO Bauer Financial Reports Inc., the nation's leading credit union rating firm, is pleased to announce that Universal Campus Credit Union has earned another four-strating since Dec. 1, 1990. The most recent award is based on an analysis of financial data filed by Universal Campus Credit Union with federal regulators for the six months ended June 30, 1995. UCCU's four-sta- r rating for the most recent period indicates that its regulatory capital exceeds 6 percent of assets and that UCCU's delinquent loans and repossessed assets were minimal and manageable for the period ended June 30, 1995. PROVO Health Watch Incwill be hosting an open house Name 60,000-square-fo- facility at Ghent, Ky. th the close of business Monday, Jan. 22. New certificates representing shares of common stock created pursuant to the stock split will be issued to stockholders by the transfer agent. The company's authorized capital will not change. 350-022- board of directors of Security National Financial Corp. Monday announced that it has declared a stock dividend of 5 percent payable to its shareholders of record on all class A and class C common stock as of Jan. 15.. Delivery of stock certificates representing the stock dividends shall be made no later than Feb. . stamping plant from Springfield, Mo., to Blytheville, Ark., representing a capital investment of approximately $12.5 million. Cache Valley Electric is also providing electrical construction and engineering at Huntco's new : folio and serviced for ether investors (excluding long-terresidential mortgages) stood at $3,638 billion at year-en- d 1995, an increase of 14.5 percent from $3,178 billion a year ago. Deposits increased 10.6 percent to $4,097 billion at the end of 1995 as compared to $3,706 billion a year ago. 1995 in I ' , . of ' J, .: 4- er memory Silent vibration alert Backlit display Single-butto- n operation Service provided by AT&T Wireless Services Service based on annual agreement. Some restrictions may apply. Not at ZCMI