Call reports 2003
SUMMIT BANK — 2003
What SUMMIT BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 38,196,000 | 43,475,000 | 51,362,000 | 55,011,000 |
| Total loans | 28,303,000 | 33,577,000 | 40,234,000 | 43,506,000 |
| Allowance for loan losses | 354,000 | 420,000 | 503,000 | 536,000 |
| Securities available for sale | 1,019,000 | 2,032,000 | 3,009,000 | 3,010,000 |
| Securities held to maturity | 3,246,000 | 1,944,000 | 1,649,000 | 1,545,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,788,000 | 32,867,000 | 39,160,000 | 42,858,000 |
| Interest-bearing deposits | 24,598,000 | 27,479,000 | 34,563,000 | 37,298,000 |
| Noninterest-bearing deposits | 3,190,000 | 5,388,000 | 4,597,000 | 5,560,000 |
| Equity capital | 5,432,000 | 5,380,000 | 5,319,000 | 5,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 410,000 | 892,000 | 1,450,000 | 2,050,000 |
| Interest expense | 164,000 | 335,000 | 534,000 | 740,000 |
| Net interest income | 246,000 | 557,000 | 916,000 | 1,310,000 |
| Noninterest income | 18,000 | 35,000 | 61,000 | 79,000 |
| Noninterest expense | 272,000 | 596,000 | 942,000 | 1,308,000 |
| Provision for loan losses | 53,000 | 119,000 | 202,000 | 235,000 |
| Pretax income | -61,000 | -123,000 | -167,000 | -154,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -61,000 | -123,000 | -167,000 | -154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,317,000 | 5,269,000 | 5,240,000 | 5,266,000 |
| Total capital | 5,671,000 | 5,689,000 | 5,743,000 | 5,802,000 |
| Risk-weighted assets | 31,198,000 | 35,043,000 | 40,394,000 | 43,636,000 |
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