Summit financial group, inc. (SMMF)
Balance Sheet / Yearly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Mar'11Dec'10Sep'10Jun'10
ASSETS
Cash and due from banks

18

28

12

13

14

23

9

8

9

9

9

9

19

4

25

4

4

3

4

3

3

3

3

3

3

3

4

4

3

3

3

4

4

4

3

4

4

4

4

4

Interest bearing deposits with other banks

22

33

40

42

43

36

44

38

38

42

41

44

38

42

9

8

12

5

8

9

8

8

9

9

13

8

11

7

7

10

13

14

26

28

39

24

46

45

40

24

Cash and cash equivalents

41

61

52

56

57

59

53

46

47

52

51

53

58

46

34

13

16

9

12

13

12

12

13

13

17

11

16

12

11

14

17

18

30

32

-

-

-

-

-

-

Debt Securities, Available-for-sale

305

276

265

269

297

293

-

-

-

328

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Securities available for sale

-

-

-

-

-

-

288

283

296

-

328

336

282

266

262

261

271

280

272

276

282

282

282

287

281

288

291

291

283

281

291

289

292

286

292

295

293

271

267

258

Other investments

11

12

14

14

12

16

14

12

13

15

12

13

13

12

13

12

10

8

7

8

7

6

7

7

6

7

8

7

12

14

16

17

18

19

20

20

21

22

23

24

Loans held for sale

0

1

1

0

0

0

0

0

0

0

0

1

0

0

0

0

0

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans and Leases Receivable, Net of Deferred Income

2,007

1,913

1,851

1,819

1,738

1,695

-

-

-

1,606

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans and Leases Receivable, Allowance

24

13

12

13

13

13

-

-

-

12

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans held for sale, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

0

0

0

0

1

0

0

0

0

1

0

0

0

0

0

1

0

Loans and Leases Receivable, Net Amount

1,982

1,900

1,838

1,805

1,725

1,682

1,632

1,617

1,631

1,593

1,559

1,538

1,292

1,307

1,234

1,166

1,096

1,079

1,062

1,064

1,039

1,019

993

992

962

937

939

925

945

937

940

948

957

965

964

971

979

995

1,018

1,065

Property held for sale

18

19

20

21

24

21

22

21

21

21

22

23

23

24

24

23

24

25

29

31

34

37

47

48

52

53

45

47

54

56

56

60

61

63

62

66

66

69

68

69

Premises and equipment, net

47

44

43

42

38

37

36

36

35

34

34

33

26

23

21

21

21

21

20

20

20

20

20

20

20

20

20

20

21

21

21

21

21

22

22

22

22

23

23

23

Accrued interest receivable

9

8

8

8

8

8

8

8

8

8

7

7

6

6

5

5

5

5

5

5

5

5

5

5

5

5

5

5

5

5

5

5

5

5

5

5

5

5

5

6

Goodwill and other intangible assets

34

23

23

23

29

25

26

26

27

27

27

28

13

13

7

7

7

7

7

7

7

7

7

7

7

7

8

8

8

8

8

8

-

-

-

-

-

-

-

-

Intangible assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

8

8

8

8

8

9

9

9

Cash surrender value of life insurance policies

46

43

43

42

42

42

42

41

41

41

41

41

39

39

38

38

37

37

37

37

36

36

36

36

35

35

35

30

29

29

30

29

29

29

29

28

13

13

13

13

Other assets

16

12

11

12

12

12

13

13

12

11

15

18

20

17

15

15

15

15

14

14

14

13

14

14

15

17

17

19

17

17

16

16

17

16

16

18

18

15

19

20

Total assets

2,513

2,403

2,323

2,299

2,249

2,200

2,138

2,107

2,134

2,134

2,101

2,095

1,776

1,758

1,657

1,565

1,508

1,492

1,469

1,479

1,460

1,443

1,428

1,435

1,406

1,386

1,387

1,369

1,390

1,387

1,404

1,416

1,444

1,450

1,464

1,467

1,482

1,477

1,496

1,519

LIABILITIES AND SHAREHOLDERS' EQUITY
Liabilities
Deposits
Non-interest bearing

337

260

241

234

258

222

232

217

219

217

215

234

152

149

122

120

122

119

118

113

117

115

104

106

99

92

99

92

93

100

96

96

87

88

85

85

86

74

76

73

Interest bearing

1,707

1,652

1,590

1,563

1,530

1,412

1,418

1,422

1,435

1,383

1,400

1,379

1,149

1,145

1,034

975

972

947

953

940

941

945

950

951

953

910

917

946

973

926

930

905

923

927

961

960

975

962

953

947

Total deposits

2,044

1,913

1,832

1,797

1,789

1,634

1,651

1,639

1,654

1,600

1,616

1,613

1,301

1,295

1,156

1,096

1,094

1,066

1,072

1,053

1,058

1,061

1,054

1,057

1,052

1,003

1,016

1,038

1,066

1,027

1,027

1,001

1,011

1,016

1,047

1,046

1,062

1,036

1,030

1,021

Short-term borrowings

161

199

206

225

186

309

238

202

193

250

202

205

228

224

234

205

153

171

145

174

148

123

127

91

68

62

54

16

5

3

20

10

15

15

0

2

1

1

1

2

Long-term borrowings

0

0

0

0

0

0

0

20

45

45

45

45

46

46

74

74

75

75

76

76

77

77

78

121

123

163

163

163

163

203

203

253

267

270

272

282

283

304

329

361

Subordinated debentures

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2

5

16

16

16

16

16

16

16

16

16

16

16

16

16

16

16

16

16

16

16

Subordinated debentures owed to unconsolidated subsidiary trusts

19

19

19

19

19

19

19

19

19

19

19

19

19

19

19

19

19

19

19

19

19

19

19

19

19

19

19

19

19

19

19

19

19

19

19

19

19

19

19

19

Other liabilities

30

22

21

20

20

16

15

15

16

16

17

17

26

17

18

18

19

15

15

13

15

13

10

10

10

8

8

7

7

7

8

8

9

8

8

8

8

8

8

9

Total liabilities

2,257

2,155

2,081

2,063

2,016

1,980

1,925

1,897

1,929

1,932

1,902

1,902

1,622

1,603

1,503

1,414

1,362

1,348

1,329

1,339

1,324

1,311

1,307

1,318

1,291

1,275

1,278

1,262

1,280

1,278

1,296

1,310

1,339

1,347

1,365

1,376

1,392

1,387

1,406

1,430

Commitments and Contingencies

-

-

-

-

-

-

0

0

0

-

0

0

0

0

0

0

0

0

0

0

0

-

0

0

0

-

-

-

-

-

-

-

0

0

0

0

0

0

0

0

Shareholders' Equity
Preferred Stock, Value, Issued

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

-

-

-

-

-

-

9

9

9

-

-

-

5

-

-

-

-

-

3

Common stock and related surplus, $2.50 par value; authorized 20,000,000 shares; issued: 2020 - 12,980,744 shares and 2019 - 12,474,641 shares; outstanding: 2020 - 12,920,244 shares and 2019 - 12,408,542

94

80

79

80

86

80

81

81

81

81

80

80

47

46

46

45

45

45

45

45

43

32

24

24

24

24

24

24

24

24

24

24

24

24

24

24

24

24

24

24

Unallocated common stock held by Employee Stock Ownership Plan - 2020 - 60,500 shares and 2019 - 66,099 shares

0

0

0

0

0

0

0

1

1

1

1

1

1

1

1

1

1

1

2

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Retained earnings

161

165

159

153

146

141

135

130

125

119

119

114

110

113

109

106

103

100

97

94

91

87

84

81

79

77

74

72

71

69

67

67

66

64

63

61

60

61

60

60

Accumulated other comprehensive income

0

2

3

2

1

-1

-2

-0

-0

1

0

-0

-2

-3

-0

-0

-1

-0

-0

0

1

2

2

1

1

-0

0

0

4

4

5

4

4

3

3

2

0

0

1

0

Stockholders' Equity Attributable to Parent

256

247

242

235

233

219

213

209

205

201

198

193

153

155

153

150

146

143

140

140

135

131

121

117

114

111

108

107

110

108

107

105

104

102

98

91

89

89

90

88

Total liabilities and shareholders' equity

2,513

2,403

2,323

2,299

2,249

2,200

2,138

2,107

2,134

2,134

2,101

2,095

1,776

1,758

1,657

1,565

1,508

1,492

1,469

1,479

1,460

1,443

1,428

1,435

1,406

1,386

1,387

1,369

1,390

1,387

1,404

1,416

1,444

1,450

1,464

1,467

1,482

1,477

1,496

1,519