Call reports 2013
SUMMIT NATIONAL BANK — 2013
What SUMMIT NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 62,045,000 | 61,312,000 | 64,293,000 | 61,254,000 |
| Total loans | 38,713,000 | 40,250,000 | 40,381,000 | 37,735,000 |
| Allowance for loan losses | 1,056,000 | 810,000 | 780,000 | 876,000 |
| Securities available for sale | 14,019,000 | 12,289,000 | 13,590,000 | 15,876,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,633,000 | 52,740,000 | 55,427,000 | 53,602,000 |
| Interest-bearing deposits | 38,642,000 | 38,332,000 | 39,180,000 | 38,431,000 |
| Noninterest-bearing deposits | 14,990,000 | 14,409,000 | 16,247,000 | 15,171,000 |
| Equity capital | 6,682,000 | 6,557,000 | 6,588,000 | 6,508,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 705,000 | 1,422,000 | 2,130,000 | 2,888,000 |
| Interest expense | 26,000 | 49,000 | 74,000 | 97,000 |
| Net interest income | 679,000 | 1,373,000 | 2,056,000 | 2,791,000 |
| Noninterest income | 79,000 | 165,000 | 277,000 | 341,000 |
| Noninterest expense | 605,000 | 1,258,000 | 1,880,000 | 2,496,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 182,000 |
| Pretax income | 157,000 | 295,000 | 453,000 | 505,000 |
| Income tax | 21,000 | 31,000 | 41,000 | 49,000 |
| Net income | 136,000 | 264,000 | 412,000 | 456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,019,000 | 6,109,000 | 6,188,000 | 6,162,000 |
| Total capital | 6,554,000 | 6,658,000 | 6,739,000 | 6,686,000 |
| Risk-weighted assets | 42,410,000 | 43,242,000 | 44,107,000 | 41,569,000 |
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