Call reports 2025
SUMMIT STATE BANK — 2025
What SUMMIT STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,063,363,000 | 1,032,472,000 | 1,006,522,000 | 1,004,586,000 |
| Total loans | 890,979,000 | 868,202,000 | 852,444,000 | 846,280,000 |
| Allowance for loan losses | 13,625,000 | 13,133,000 | 14,042,000 | 14,487,000 |
| Securities available for sale | 68,737,000 | 67,378,000 | 66,688,000 | 66,375,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 957,065,000 | 922,609,000 | 888,785,000 | 891,111,000 |
| Interest-bearing deposits | 758,329,000 | 729,219,000 | 703,527,000 | 708,388,000 |
| Noninterest-bearing deposits | 198,736,000 | 193,390,000 | 185,258,000 | 182,723,000 |
| Equity capital | 95,341,000 | 98,108,000 | 99,728,000 | 101,171,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 14,542,000 | 29,773,000 | 43,992,000 | 58,428,000 |
| Interest expense | 6,464,000 | 12,465,000 | 18,016,000 | 23,481,000 |
| Net interest income | 8,078,000 | 17,308,000 | 25,976,000 | 34,947,000 |
| Noninterest income | 589,000 | 800,000 | 1,647,000 | 191,000 |
| Noninterest expense | 6,196,000 | 12,444,000 | 17,944,000 | 23,630,000 |
| Provision for loan losses | -577,000 | -577,000 | 2,132,000 | 2,577,000 |
| Pretax income | 3,099,000 | 6,342,000 | 7,612,000 | 8,963,000 |
| Income tax | 605,000 | 1,430,000 | 1,883,000 | 2,167,000 |
| Net income | 2,494,000 | 4,912,000 | 5,729,000 | 6,796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,796,000 | 102,709,000 | 103,604,000 | 104,875,000 |
| Total capital | 116,262,000 | 118,978,000 | 118,424,000 | 119,393,000 |
| Risk-weighted assets | 935,063,000 | 919,278,000 | 897,118,000 | 872,026,000 |