Call reports 2003
SUMMIT BANK, NATIONAL ASSOCIATION — 2003
What SUMMIT BANK, NATIONAL ASSOCIATION 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 | 700,215,000 | 738,884,000 | 777,523,000 | 795,468,000 |
| Total loans | 489,352,000 | 500,040,000 | 517,993,000 | 553,769,000 |
| Allowance for loan losses | 7,364,000 | 7,412,000 | 7,483,000 | 7,784,000 |
| Securities available for sale | 161,514,000 | 176,097,000 | 207,205,000 | 191,173,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 588,171,000 | 612,254,000 | 638,429,000 | 641,560,000 |
| Interest-bearing deposits | 421,703,000 | 435,144,000 | 456,706,000 | 448,711,000 |
| Noninterest-bearing deposits | 166,468,000 | 177,110,000 | 181,723,000 | 192,849,000 |
| Equity capital | 65,284,000 | 68,206,000 | 67,042,000 | 68,510,000 |
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 | 9,251,000 | 18,798,000 | 28,506,000 | 38,526,000 |
| Interest expense | 1,816,000 | 3,750,000 | 5,584,000 | 7,436,000 |
| Net interest income | 7,435,000 | 15,048,000 | 22,922,000 | 31,090,000 |
| Noninterest income | 1,349,000 | 2,975,000 | 4,481,000 | 5,855,000 |
| Noninterest expense | 4,737,000 | 9,965,000 | 15,572,000 | 21,279,000 |
| Provision for loan losses | 300,000 | 540,000 | 586,000 | 880,000 |
| Pretax income | 3,747,000 | 7,530,000 | 11,346,000 | 15,016,000 |
| Income tax | 1,274,000 | 2,561,000 | 3,863,000 | 5,096,000 |
| Net income | 2,473,000 | 4,969,000 | 7,483,000 | 9,920,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,376,000 | 64,871,000 | 65,886,000 | 67,823,000 |
| Total capital | 68,959,000 | 71,645,000 | 72,916,000 | 75,257,000 |
| Risk-weighted assets | 525,909,000 | 541,327,000 | 561,991,000 | 594,384,000 |
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