Call reports 2004
SUMMIT BANK — 2004
What SUMMIT BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 61,675,000 | 65,639,000 | 71,343,000 | 80,003,000 |
| Total loans | 47,916,000 | 53,509,000 | 55,884,000 | 63,767,000 |
| Allowance for loan losses | 560,000 | 583,000 | 604,000 | 637,000 |
| Securities available for sale | 3,823,000 | 3,726,000 | 3,784,000 | 3,256,000 |
| Securities held to maturity | 978,000 | 875,000 | 813,000 | 1,259,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,163,000 | 52,272,000 | 57,707,000 | 65,385,000 |
| Interest-bearing deposits | 41,893,000 | 43,970,000 | 48,395,000 | 56,297,000 |
| Noninterest-bearing deposits | 7,270,000 | 8,302,000 | 9,312,000 | 9,088,000 |
| Equity capital | 5,418,000 | 5,375,000 | 5,595,000 | 5,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 655,000 | 1,381,000 | 2,212,000 | 3,198,000 |
| Interest expense | 217,000 | 462,000 | 732,000 | 1,059,000 |
| Net interest income | 438,000 | 919,000 | 1,480,000 | 2,139,000 |
| Noninterest income | 19,000 | 46,000 | 142,000 | 227,000 |
| Noninterest expense | 367,000 | 792,000 | 1,245,000 | 1,785,000 |
| Provision for loan losses | 24,000 | 47,000 | 91,000 | 139,000 |
| Pretax income | 66,000 | 126,000 | 286,000 | 442,000 |
| Income tax | 0 | 0 | 0 | -92,000 |
| Net income | 66,000 | 126,000 | 286,000 | 534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,352,000 | 5,419,000 | 5,592,000 | 5,855,000 |
| Total capital | 5,912,000 | 6,002,000 | 6,196,000 | 6,492,000 |
| Risk-weighted assets | 49,360,000 | 55,200,000 | 58,071,000 | 66,285,000 |
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