Call reports 2004
SUMMIT COMMUNITY BANK — 2004
What SUMMIT COMMUNITY 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 | 52,488,000 | 62,880,000 | 67,292,000 | 74,780,000 |
| Total loans | 48,852,000 | 59,432,000 | 62,731,000 | 69,682,000 |
| Allowance for loan losses | 488,000 | 594,000 | 627,000 | 697,000 |
| Securities available for sale | 1,896,000 | 1,869,000 | 1,870,000 | 1,857,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,865,000 | 39,837,000 | 42,515,000 | 45,142,000 |
| Interest-bearing deposits | 28,398,000 | 35,444,000 | 37,557,000 | 41,361,000 |
| Noninterest-bearing deposits | 4,467,000 | 4,393,000 | 4,958,000 | 3,781,000 |
| Equity capital | 6,799,000 | 6,756,000 | 6,834,000 | 7,333,000 |
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 | 591,000 | 1,293,000 | 2,104,000 | 3,028,000 |
| Interest expense | 226,000 | 516,000 | 877,000 | 1,281,000 |
| Net interest income | 365,000 | 777,000 | 1,227,000 | 1,747,000 |
| Noninterest income | 40,000 | 82,000 | 124,000 | 175,000 |
| Noninterest expense | 374,000 | 748,000 | 1,137,000 | 1,551,000 |
| Provision for loan losses | 101,000 | 207,000 | 240,000 | 310,000 |
| Pretax income | -70,000 | -96,000 | -26,000 | 61,000 |
| Income tax | 0 | 0 | 0 | -420,000 |
| Net income | -70,000 | -96,000 | -26,000 | 481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,660,000 | 6,630,000 | 6,699,000 | 7,194,000 |
| Total capital | 7,086,000 | 7,148,000 | 7,259,000 | 7,796,000 |
| Risk-weighted assets | 34,040,000 | 41,350,000 | 44,723,000 | 48,095,000 |
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