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 | 287,130,000 | 279,604,000 | 285,225,000 | 278,782,000 |
| Total loans | 200,837,000 | 198,569,000 | 195,610,000 | 191,355,000 |
| Allowance for loan losses | 6,729,000 | 6,879,000 | 6,879,000 | 6,285,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 385,000 | 388,000 | 392,000 | 396,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,152,000 | 222,150,000 | 227,081,000 | 220,388,000 |
| Interest-bearing deposits | 125,654,000 | 118,506,000 | 117,953,000 | 114,209,000 |
| Noninterest-bearing deposits | 104,498,000 | 103,644,000 | 109,128,000 | 106,179,000 |
| Equity capital | 48,133,000 | 48,455,000 | 48,589,000 | 48,887,000 |
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 | 4,029,000 | 8,009,000 | 11,695,000 | 15,822,000 |
| Interest expense | 497,000 | 996,000 | 1,539,000 | 2,122,000 |
| Net interest income | 3,532,000 | 7,013,000 | 10,156,000 | 13,700,000 |
| Noninterest income | 171,000 | 352,000 | 528,000 | 705,000 |
| Noninterest expense | 2,270,000 | 4,622,000 | 7,070,000 | 9,824,000 |
| Provision for loan losses | 150,000 | 300,000 | 300,000 | 300,000 |
| Pretax income | 1,283,000 | 2,443,000 | 3,314,000 | 4,281,000 |
| Income tax | 377,000 | 715,000 | 952,000 | 1,246,000 |
| Net income | 906,000 | 1,728,000 | 2,362,000 | 3,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,133,000 | 48,455,000 | 48,589,000 | 48,887,000 |
| Total capital | 50,962,000 | 51,159,000 | 51,285,000 | 51,550,000 |
| Risk-weighted assets | 222,081,000 | 211,861,000 | 211,225,000 | 209,115,000 |