Call reports 2004
SUMMIT BANK, NATIONAL ASSOCIATION — 2004
What SUMMIT BANK, NATIONAL ASSOCIATION 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 | 860,314,000 | 969,280,000 | 989,950,000 | 988,710,000 |
| Total loans | 593,271,000 | 672,686,000 | 689,906,000 | 702,619,000 |
| Allowance for loan losses | 8,320,000 | 9,844,000 | 10,079,000 | 10,187,000 |
| Securities available for sale | 175,934,000 | 208,568,000 | 213,200,000 | 218,216,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 657,149,000 | 776,352,000 | 792,023,000 | 792,665,000 |
| Interest-bearing deposits | 470,272,000 | 557,346,000 | 559,277,000 | 557,098,000 |
| Noninterest-bearing deposits | 186,877,000 | 219,006,000 | 232,746,000 | 235,567,000 |
| Equity capital | 70,763,000 | 82,781,000 | 87,458,000 | 88,014,000 |
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 | 10,198,000 | 21,566,000 | 33,862,000 | 46,857,000 |
| Interest expense | 1,915,000 | 4,098,000 | 6,479,000 | 9,099,000 |
| Net interest income | 8,283,000 | 17,468,000 | 27,383,000 | 37,758,000 |
| Noninterest income | 1,569,000 | 3,359,000 | 5,474,000 | 7,291,000 |
| Noninterest expense | 5,472,000 | 11,803,000 | 18,709,000 | 25,646,000 |
| Provision for loan losses | 605,000 | 1,005,000 | 1,500,000 | 1,790,000 |
| Pretax income | 3,775,000 | 8,019,000 | 12,680,000 | 17,645,000 |
| Income tax | 1,284,000 | 2,816,000 | 4,447,000 | 6,211,000 |
| Net income | 2,491,000 | 5,203,000 | 8,233,000 | 11,434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,814,000 | 74,563,000 | 76,237,000 | 77,959,000 |
| Total capital | 76,727,000 | 83,605,000 | 85,540,000 | 87,382,000 |
| Risk-weighted assets | 632,678,000 | 722,596,000 | 743,488,000 | 753,110,000 |
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