Call reports 2009
SUMMIT BANK — 2009
What SUMMIT BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,050,180,000 | 1,064,992,000 | 1,090,632,000 | 1,088,598,000 |
| Total loans | 770,262,000 | 745,890,000 | 740,686,000 | 718,823,000 |
| Allowance for loan losses | 12,657,000 | 12,441,000 | 13,005,000 | 12,687,000 |
| Securities available for sale | 151,171,000 | 179,959,000 | 218,018,000 | 235,330,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 796,758,000 | 807,505,000 | 831,824,000 | 820,877,000 |
| Interest-bearing deposits | 716,104,000 | 718,835,000 | 737,606,000 | 732,908,000 |
| Noninterest-bearing deposits | 80,654,000 | 88,670,000 | 94,218,000 | 87,969,000 |
| Equity capital | 88,018,000 | 90,592,000 | 94,120,000 | 93,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 13,339,000 | 26,414,000 | 39,834,000 | 53,075,000 |
| Interest expense | 5,244,000 | 10,338,000 | 15,322,000 | 20,006,000 |
| Net interest income | 8,095,000 | 16,076,000 | 24,512,000 | 33,069,000 |
| Noninterest income | 1,352,000 | 2,886,000 | 4,383,000 | 5,829,000 |
| Noninterest expense | 6,321,000 | 12,849,000 | 19,271,000 | 25,426,000 |
| Provision for loan losses | 478,000 | 938,000 | 2,153,000 | 3,050,000 |
| Pretax income | 2,648,000 | 5,175,000 | 7,483,000 | 10,434,000 |
| Income tax | 335,000 | 465,000 | 185,000 | 485,000 |
| Net income | 2,313,000 | 4,710,000 | 7,298,000 | 9,949,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,137,000 | 89,561,000 | 92,175,000 | 92,453,000 |
| Total capital | 96,757,000 | 99,084,000 | 101,672,000 | 101,887,000 |
| Risk-weighted assets | 766,572,000 | 758,940,000 | 756,222,000 | 750,885,000 |
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