Call reports 2004
SUMMIT NATIONAL BANK — 2004
What SUMMIT NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 21,745,000 | 22,723,000 | 23,164,000 | 24,871,000 |
| Total loans | 14,810,000 | 15,887,000 | 15,061,000 | 13,421,000 |
| Allowance for loan losses | 203,000 | 215,000 | 232,000 | 225,000 |
| Securities available for sale | 2,371,000 | 2,468,000 | 2,638,000 | 4,528,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,247,000 | 21,204,000 | 21,537,000 | 23,271,000 |
| Interest-bearing deposits | 18,153,000 | 18,386,000 | 18,931,000 | 19,319,000 |
| Noninterest-bearing deposits | 2,094,000 | 2,818,000 | 2,606,000 | 3,952,000 |
| Equity capital | 1,421,000 | 1,454,000 | 1,533,000 | 1,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 325,000 | 674,000 | 1,024,000 | 1,359,000 |
| Interest expense | 85,000 | 166,000 | 250,000 | 336,000 |
| Net interest income | 240,000 | 508,000 | 774,000 | 1,023,000 |
| Noninterest income | 26,000 | 59,000 | 100,000 | 115,000 |
| Noninterest expense | 215,000 | 433,000 | 654,000 | 891,000 |
| Provision for loan losses | 8,000 | 20,000 | 37,000 | 41,000 |
| Pretax income | 43,000 | 114,000 | 192,000 | 215,000 |
| Income tax | 9,000 | 19,000 | 34,000 | 55,000 |
| Net income | 34,000 | 95,000 | 158,000 | 160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,403,000 | 1,464,000 | 1,528,000 | 1,529,000 |
| Total capital | 1,595,000 | 1,668,000 | 1,725,000 | 1,713,000 |
| Risk-weighted assets | 15,340,000 | 16,284,000 | 15,742,000 | 14,642,000 |
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