Call reports 2005
SUMMIT BANK, NATIONAL ASSOCIATION — 2005
What SUMMIT BANK, NATIONAL ASSOCIATION 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 | 999,384,000 | 1,008,057,000 | 1,073,868,000 | 1,099,344,000 |
| Total loans | 716,714,000 | 721,161,000 | 754,153,000 | 774,886,000 |
| Allowance for loan losses | 10,519,000 | 10,798,000 | 11,131,000 | 11,208,000 |
| Securities available for sale | 208,959,000 | 209,458,000 | 231,217,000 | 252,170,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 798,039,000 | 805,189,000 | 866,407,000 | 879,507,000 |
| Interest-bearing deposits | 565,045,000 | 562,900,000 | 607,390,000 | 615,807,000 |
| Noninterest-bearing deposits | 232,994,000 | 242,289,000 | 259,017,000 | 263,700,000 |
| Equity capital | 87,721,000 | 90,276,000 | 91,732,000 | 92,894,000 |
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 | 13,373,000 | 27,751,000 | 43,227,000 | 59,961,000 |
| Interest expense | 2,956,000 | 6,419,000 | 10,482,000 | 14,981,000 |
| Net interest income | 10,417,000 | 21,332,000 | 32,745,000 | 44,980,000 |
| Noninterest income | 1,902,000 | 3,914,000 | 6,090,000 | 8,004,000 |
| Noninterest expense | 7,006,000 | 14,362,000 | 21,838,000 | 29,861,000 |
| Provision for loan losses | 225,000 | 450,000 | 765,000 | 1,105,000 |
| Pretax income | 5,088,000 | 10,434,000 | 16,232,000 | 22,018,000 |
| Income tax | 1,781,000 | 3,694,000 | 5,802,000 | 7,812,000 |
| Net income | 3,307,000 | 6,740,000 | 10,430,000 | 14,206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,760,000 | 80,672,000 | 82,632,000 | 84,935,000 |
| Total capital | 88,359,000 | 90,352,000 | 92,665,000 | 95,310,000 |
| Risk-weighted assets | 767,011,000 | 773,248,000 | 801,532,000 | 829,170,000 |
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