Call reports 2007
SUMMIT NATIONAL BANK — 2007
What SUMMIT NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 29,813,000 | 31,377,000 | 28,288,000 | 31,463,000 |
| Total loans | 21,360,000 | 22,662,000 | 20,733,000 | 19,711,000 |
| Allowance for loan losses | 231,000 | 233,000 | 262,000 | 261,000 |
| Securities available for sale | 2,694,000 | 2,599,000 | 2,849,000 | 3,486,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,628,000 | 29,085,000 | 25,530,000 | 28,751,000 |
| Interest-bearing deposits | 23,275,000 | 24,163,000 | 21,593,000 | 23,824,000 |
| Noninterest-bearing deposits | 4,353,000 | 4,922,000 | 3,937,000 | 4,927,000 |
| Equity capital | 1,828,000 | 1,894,000 | 2,141,000 | 2,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 560,000 | 1,160,000 | 1,747,000 | 2,298,000 |
| Interest expense | 187,000 | 393,000 | 599,000 | 802,000 |
| Net interest income | 373,000 | 767,000 | 1,148,000 | 1,496,000 |
| Noninterest income | 43,000 | 111,000 | 173,000 | 220,000 |
| Noninterest expense | 335,000 | 681,000 | 664,000 | 1,059,000 |
| Provision for loan losses | 2,000 | 8,000 | 38,000 | 40,000 |
| Pretax income | 79,000 | 189,000 | 619,000 | 618,000 |
| Income tax | 9,000 | 29,000 | 235,000 | 220,000 |
| Net income | 70,000 | 160,000 | 384,000 | 398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,829,000 | 1,919,000 | 2,143,000 | 2,156,000 |
| Total capital | 2,290,000 | 2,382,000 | 2,615,000 | 2,626,000 |
| Risk-weighted assets | 22,780,000 | 23,315,000 | 20,972,000 | 20,774,000 |
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