Call reports 2010
1ST SUMMIT BANK — 2010
What 1ST SUMMIT BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 629,015,000 | 642,463,000 | 659,839,000 | 668,152,000 |
| Total loans | 339,250,000 | 345,149,000 | 349,170,000 | 348,901,000 |
| Allowance for loan losses | 4,262,000 | 4,398,000 | 4,516,000 | 4,523,000 |
| Securities available for sale | 126,851,000 | 125,669,000 | 117,865,000 | 118,420,000 |
| Securities held to maturity | 116,112,000 | 125,816,000 | 135,664,000 | 147,368,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 558,222,000 | 569,629,000 | 586,494,000 | 597,467,000 |
| Interest-bearing deposits | 522,191,000 | 533,367,000 | 551,265,000 | 558,283,000 |
| Noninterest-bearing deposits | 36,030,000 | 36,262,000 | 35,229,000 | 39,184,000 |
| Equity capital | 45,617,000 | 48,295,000 | 48,341,000 | 47,773,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 7,594,000 | 15,359,000 | 23,163,000 | 30,773,000 |
| Interest expense | 2,792,000 | 5,506,000 | 8,202,000 | 10,850,000 |
| Net interest income | 4,802,000 | 9,853,000 | 14,961,000 | 19,923,000 |
| Noninterest income | 952,000 | 1,965,000 | 2,931,000 | 3,890,000 |
| Noninterest expense | 3,260,000 | 6,587,000 | 9,961,000 | 13,462,000 |
| Provision for loan losses | 220,000 | 425,000 | 585,000 | 735,000 |
| Pretax income | 2,135,000 | 4,419,000 | 6,690,000 | 8,663,000 |
| Income tax | 553,000 | 1,175,000 | 1,729,000 | 2,196,000 |
| Net income | 1,582,000 | 3,244,000 | 4,961,000 | 6,467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,137,000 | 45,066,000 | 46,755,000 | 47,660,000 |
| Total capital | 50,399,000 | 51,464,000 | 53,271,000 | 54,183,000 |
| Risk-weighted assets | 387,581,000 | 387,551,000 | 392,098,000 | 396,531,000 |
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