Call reports 2025
SUMMIT BANK — 2025
What SUMMIT 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 | 1,282,770,000 | 1,246,799,000 | 1,290,210,000 | 1,277,562,000 |
| Total loans | 1,076,586,000 | 1,099,798,000 | 1,106,507,000 | 1,114,591,000 |
| Allowance for loan losses | 12,636,000 | 13,512,000 | 14,235,000 | 13,010,000 |
| Securities available for sale | 36,298,000 | 35,911,000 | 36,462,000 | 22,076,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,140,787,000 | 1,101,920,000 | 1,140,884,000 | 1,121,854,000 |
| Interest-bearing deposits | 974,182,000 | 927,005,000 | 947,564,000 | 937,108,000 |
| Noninterest-bearing deposits | 166,605,000 | 174,915,000 | 193,320,000 | 184,746,000 |
| Equity capital | 129,010,000 | 132,895,000 | 137,269,000 | 142,025,000 |
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 | 19,883,000 | 40,015,000 | 60,778,000 | 80,643,000 |
| Interest expense | 6,238,000 | 12,195,000 | 18,213,000 | 23,806,000 |
| Net interest income | 13,645,000 | 27,820,000 | 42,565,000 | 56,837,000 |
| Noninterest income | 177,000 | 616,000 | 1,265,000 | 1,893,000 |
| Noninterest expense | 7,690,000 | 15,709,000 | 23,692,000 | 32,424,000 |
| Provision for loan losses | 1,985,000 | 3,839,000 | 5,696,000 | 6,148,000 |
| Pretax income | 4,180,000 | 8,923,000 | 14,475,000 | 20,192,000 |
| Income tax | 1,111,000 | 2,386,000 | 3,871,000 | 5,288,000 |
| Net income | 3,069,000 | 6,537,000 | 10,604,000 | 14,904,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 130,162,000 | 133,787,000 | 138,059,000 | 142,552,000 |