Call reports 2005
SUMMIT BANK — 2005
What SUMMIT BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 98,056,000 | 110,737,000 | 123,762,000 | 143,621,000 |
| Total loans | 78,810,000 | 89,590,000 | 98,396,000 | 104,666,000 |
| Allowance for loan losses | 787,000 | 895,000 | 997,000 | 1,209,000 |
| Securities available for sale | 3,211,000 | 3,232,000 | 3,227,000 | 3,216,000 |
| Securities held to maturity | 2,231,000 | 2,206,000 | 2,175,000 | 2,156,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,109,000 | 88,595,000 | 99,361,000 | 116,855,000 |
| Interest-bearing deposits | 64,212,000 | 75,903,000 | 84,267,000 | 87,663,000 |
| Noninterest-bearing deposits | 12,897,000 | 12,692,000 | 15,094,000 | 29,192,000 |
| Equity capital | 13,324,000 | 13,465,000 | 13,638,000 | 14,054,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,218,000 | 2,754,000 | 4,703,000 | 7,030,000 |
| Interest expense | 403,000 | 922,000 | 1,669,000 | 2,536,000 |
| Net interest income | 815,000 | 1,832,000 | 3,034,000 | 4,494,000 |
| Noninterest income | 142,000 | 181,000 | 207,000 | 334,000 |
| Noninterest expense | 696,000 | 1,427,000 | 2,193,000 | 2,950,000 |
| Provision for loan losses | 150,000 | 273,000 | 415,000 | 612,000 |
| Pretax income | 111,000 | 313,000 | 633,000 | 1,266,000 |
| Income tax | -40,000 | 36,000 | 178,000 | 417,000 |
| Net income | 151,000 | 277,000 | 455,000 | 849,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,407,000 | 13,533,000 | 13,711,000 | 14,105,000 |
| Total capital | 14,194,000 | 14,428,000 | 14,708,000 | 15,314,000 |
| Risk-weighted assets | 81,274,000 | 92,170,000 | 100,996,000 | 110,627,000 |
Machine access — free, no API key
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