Call reports 2007
SUMMIT COMMUNITY BANK — 2007
What SUMMIT COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 137,122,000 | 139,998,000 | 148,049,000 | 155,334,000 |
| Total loans | 123,344,000 | 127,574,000 | 133,704,000 | 141,476,000 |
| Allowance for loan losses | 1,154,000 | 1,192,000 | 1,264,000 | 1,330,000 |
| Securities available for sale | 4,091,000 | 5,155,000 | 5,225,000 | 5,131,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,271,000 | 86,868,000 | 86,545,000 | 96,866,000 |
| Interest-bearing deposits | 77,343,000 | 74,758,000 | 75,023,000 | 83,842,000 |
| Noninterest-bearing deposits | 11,928,000 | 12,110,000 | 11,522,000 | 13,024,000 |
| Equity capital | 11,227,000 | 11,310,000 | 11,436,000 | 11,509,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,988,000 | 4,072,000 | 6,283,000 | 8,529,000 |
| Interest expense | 1,232,000 | 2,520,000 | 3,938,000 | 5,466,000 |
| Net interest income | 756,000 | 1,552,000 | 2,345,000 | 3,063,000 |
| Noninterest income | 59,000 | 127,000 | 193,000 | 365,000 |
| Noninterest expense | 613,000 | 1,274,000 | 1,973,000 | 2,771,000 |
| Provision for loan losses | 23,000 | 61,000 | 113,000 | 179,000 |
| Pretax income | 179,000 | 344,000 | 452,000 | 479,000 |
| Income tax | 51,000 | 97,000 | 122,000 | 119,000 |
| Net income | 128,000 | 247,000 | 330,000 | 360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,980,000 | 11,121,000 | 11,247,000 | 11,270,000 |
| Total capital | 12,103,000 | 12,313,000 | 12,511,000 | 12,600,000 |
| Risk-weighted assets | 89,805,000 | 96,195,000 | 103,500,000 | 112,072,000 |
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