Summit financial group, inc. (SMMF)
Income statement / TTM
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'11Sep'10Jun'10
Interest income
Interest and fees on loans
Taxable

98,683

96,500

94,396

90,764

87,400

84,716

82,074

80,307

79,037

74,365

70,138

64,760

58,698

56,439

53,900

52,746

52,112

51,554

51,004

51,092

50,666

50,078

49,964

49,490

49,796

50,485

51,473

52,576

53,802

55,248

56,099

57,183

58,115

58,910

60,784

62,661

0

0

0

Tax-exempt

616

615

607

594

568

567

579

541

566

543

520

550

517

541

565

560

544

514

466

427

396

352

305

279

257

256

274

287

303

319

318

303

286

265

268

288

0

0

0

Interest and dividends on securities
Interest Income, Securities, Operating, Taxable

6,583

6,511

6,361

6,022

5,655

5,341

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interest Income, Securities, Operating, Tax Exempt

2,502

2,850

3,331

3,853

4,127

4,246

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Taxable

-

-

-

-

-

-

-

-

-

-

4,851

4,706

4,439

-

4,307

4,102

4,131

4,329

4,435

4,586

4,693

4,693

4,840

4,652

4,379

4,127

3,948

4,392

5,020

5,689

6,410

7,175

8,195

9,105

10,162

11,197

0

0

0

Tax-exempt

-

-

-

-

-

-

-

-

-

-

3,542

3,049

2,624

-

2,521

2,510

2,509

2,479

2,472

2,502

2,537

2,495

2,414

2,390

2,343

2,407

2,438

2,416

2,506

2,593

2,879

3,101

2,981

2,694

2,235

1,871

0

0

0

Interest on interest bearing deposits with other banks

462

595

617

630

630

539

555

566

597

609

627

483

322

173

12

12

9

7

8

6

7

8

8

6

6

5

9

15

25

35

43

50

66

72

66

54

0

0

0

Total interest income

108,846

107,071

105,312

101,863

98,380

95,409

92,682

90,918

89,750

84,527

79,678

73,548

66,600

64,091

61,305

59,930

59,305

58,883

58,385

58,613

58,299

57,626

57,531

56,817

56,781

57,280

58,142

59,686

61,656

63,884

65,749

67,812

69,643

71,046

73,515

76,071

0

0

0

Interest expense
Interest on deposits

23,484

23,697

22,848

21,348

19,690

17,675

15,795

14,044

12,369

11,210

10,418

9,664

9,184

8,964

8,618

8,515

8,435

8,336

8,382

8,564

8,825

8,995

9,181

9,380

9,865

10,392

11,092

11,672

12,212

13,158

14,443

15,937

17,244

18,273

19,131

19,948

0

0

0

Interest on short-term borrowings

4,461

5,303

6,149

6,215

6,060

5,993

5,324

5,047

4,884

4,473

4,187

3,702

3,042

2,288

1,491

946

653

525

464

432

365

306

254

180

130

94

57

41

42

31

28

21

12

7

5

24

0

0

0

Interest on long-term borrowings and subordinated debentures

947

987

1,007

1,199

1,517

1,944

2,381

2,626

2,723

2,697

2,906

3,210

3,516

3,832

3,913

3,918

3,942

4,006

4,305

4,612

5,242

5,940

6,659

7,358

7,703

7,991

8,297

8,880

9,842

10,875

11,693

12,283

12,627

12,922

14,648

16,353

0

0

0

Total interest expense

28,892

29,987

30,004

28,762

27,267

25,612

23,500

21,717

19,976

18,380

17,511

16,576

15,742

15,084

14,022

13,379

13,030

12,867

13,151

13,608

14,432

15,241

16,094

16,918

17,698

18,477

19,446

20,593

22,096

24,064

26,164

28,241

29,883

31,202

33,784

36,325

0

0

0

Net interest income

79,954

77,084

75,308

73,101

71,113

69,797

69,182

69,201

69,774

66,147

62,167

56,972

50,858

49,007

47,283

46,551

46,275

46,016

45,234

45,005

43,867

42,385

41,437

39,899

39,083

38,803

38,696

39,093

39,560

39,820

39,585

39,571

39,760

39,844

39,731

39,746

0

0

0

Provision for credit losses

6,550

1,550

1,550

1,550

2,000

2,250

2,125

2,000

1,500

1,250

875

500

500

500

750

1,000

1,250

1,250

1,000

1,000

1,500

2,250

3,250

4,000

4,000

4,500

5,998

6,998

7,999

8,500

8,001

8,002

9,001

10,000

12,501

19,000

0

0

0

Net interest income after provision for loan losses

73,404

75,534

73,758

71,551

69,113

67,547

67,057

67,201

68,274

64,897

61,292

56,472

50,358

48,507

46,533

45,551

45,025

44,766

44,234

44,005

42,367

40,135

38,187

35,899

35,083

34,303

32,698

32,095

31,561

31,320

31,584

31,569

30,759

29,844

27,230

20,746

0

0

0

Noninterest income
Insurance commissions

744

1,911

2,952

3,974

4,381

4,320

4,194

4,175

4,150

4,005

3,991

3,964

4,066

4,022

3,881

3,848

3,838

4,042

4,214

4,336

4,347

4,400

4,433

4,385

4,426

4,429

4,455

4,450

4,459

4,433

4,355

4,376

4,377

4,461

4,684

4,834

0

0

0

Fees and Commissions, Fiduciary and Trust Activities

-

-

-

-

-

-

-

-

-

-

-

-

0

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Service fees related to deposit accounts

-

-

-

-

-

-

-

-

-

-

-

-

4,075

-

4,301

4,274

4,287

4,285

4,273

4,309

4,338

4,405

4,414

4,373

4,357

4,326

4,295

4,263

4,253

4,255

4,265

4,269

4,251

4,125

3,786

3,536

0

0

0

Fees and Commissions, Credit and Debit Cards

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Available-for-sale Securities, Gross Realized Gain (Loss), Excluding Other than Temporary Impairments

2,979

1,938

1,331

886

-113

622

755

773

776

-14

348

383

676

1,127

1,258

1,570

1,357

1,444

1,173

928

715

213

186

190

176

240

220

848

1,225

2,348

0

0

0

-

-

-

-

-

-

Gain (Loss) on Disposition of Business

-

-

0

0

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Bank owned life insurance income

1,070

1,044

981

984

985

1,022

1,033

1,038

1,042

1,017

1,040

1,043

1,048

1,054

1,031

1,032

1,035

1,040

1,046

1,053

1,062

1,071

0

0

0

-

-

-

0

-

-

-

0

-

-

-

0

-

-

Other

1,301

1,210

994

1,039

1,014

1,022

873

864

897

750

411

374

270

423

161

278

416

455

1,107

1,107

1,117

1,134

701

1,040

1,323

1,338

1,312

1,220

1,202

1,185

1,265

1,261

1,193

1,114

1,780

1,781

0

0

0

Total other-than-temporary impairment loss on securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

155

816

545

888

1,308

2,111

4,028

4,962

6,279

5,000

0

0

0

-

Portion of loss recognized in other comprehensive income

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-37

-154

-348

-612

-857

-1,802

-2,808

-3,315

-3,633

-2,646

0

0

0

-

Net impairment loss recognized in earnings

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

118

196

197

276

451

775

1,220

1,647

2,646

2,354

0

0

0

-

Total noninterest income

19,475

19,203

18,986

19,438

16,776

17,422

17,167

16,956

16,724

14,427

13,495

12,244

11,373

11,600

11,469

11,713

11,528

11,861

11,814

11,734

11,579

11,223

11,296

11,246

11,244

11,209

15,301

15,799

13,924

12,879

14,237

13,063

14,090

11,906

5,981

5,601

0

0

0

Noninterest expenses
Salaries, commissions and employee benefits

29,391

29,066

28,896

28,658

28,004

27,478

27,069

26,873

26,709

25,075

23,863

22,072

20,078

19,573

18,795

18,455

18,133

17,638

17,242

16,789

16,392

16,185

16,075

16,099

16,041

16,178

15,953

15,843

15,748

15,532

15,580

15,599

15,762

15,833

15,985

15,991

0

0

0

Net occupancy expense

3,376

3,417

3,439

3,496

3,456

3,364

3,299

3,290

3,276

3,011

2,761

2,439

2,125

2,098

2,057

2,028

2,005

1,964

1,979

1,965

1,981

2,023

1,995

1,967

1,938

1,853

1,880

1,902

1,916

1,939

1,917

1,914

1,905

1,935

1,961

1,997

0

0

0

Equipment expense

5,222

4,972

4,833

4,655

4,507

4,411

4,367

4,342

4,302

3,954

3,560

3,183

2,838

2,759

2,675

2,541

2,415

2,294

2,164

2,102

2,055

2,086

2,167

2,225

2,271

2,303

2,312

2,307

2,353

2,349

2,365

2,381

2,357

2,343

2,370

2,415

0

0

0

Professional fees

1,662

1,678

1,652

1,767

1,677

1,607

1,576

1,446

1,415

1,367

1,356

1,253

1,328

1,515

1,678

1,810

1,753

1,616

1,560

1,538

1,448

1,429

1,285

1,168

1,246

1,181

1,185

1,214

1,096

1,161

1,568

1,541

1,492

1,373

878

875

0

0

0

Marketing and Advertising Expense

697

698

678

671

704

654

646

613

573

578

528

484

454

445

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Amortization of intangibles

1,654

1,701

1,709

1,718

1,711

1,671

1,698

1,733

1,749

1,410

1,071

673

294

247

200

200

200

200

199

199

212

250

288

326

351

351

351

351

351

351

351

351

351

351

352

352

0

0

0

FDIC premiums

253

88

228

438

590

830

940

1,040

1,095

1,065

890

780

785

875

1,070

1,170

1,190

1,220

1,265

1,445

1,620

1,792

1,979

2,002

2,022

2,060

2,093

2,100

2,085

2,067

2,096

2,166

2,252

2,423

2,574

2,619

0

0

0

Bank card expense

1,884

1,820

1,762

1,691

1,579

1,475

1,475

1,472

0

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Foreclosed properties expense, net of losses

3,080

2,498

2,740

2,604

1,409

1,350

1,077

1,132

0

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Foreclosed properties expense

-

-

-

-

-

-

-

-

-

-

-

-

394

-

467

535

600

684

773

903

974

1,020

990

954

1,020

1,045

1,106

1,200

1,138

1,221

1,174

1,207

1,386

1,458

1,906

1,761

0

0

0

(Gain) loss on sale of foreclosed properties

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-951

-902

-827

-171

-84

-553

-518

-530

0

0

-

0

-

-

-

-

-

-

-

-

(Gain) loss on sales of foreclosed properties, net

-

-

-

-

-

-

-

-

-

-

-

-

0

-

0

0

0

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Realized securities gains

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

0

0

Loss on sales of assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

193

246

0

0

0

Impairment of Real Estate

-

-

-

-

-

-

-

-

-

-

704

747

977

668

1,139

2,051

1,952

2,415

2,079

2,613

3,415

3,771

4,115

3,189

3,721

3,722

3,825

5,742

5,879

6,862

6,996

6,062

5,120

6,651

7,963

0

0

-

0

Litigation Settlement

-

-

-

-

-

-

-

-

-

9,900

9,900

9,900

9,900

0

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Business Combination, Acquisition Related Costs

1,342

617

577

589

207

144

100

25

1,480

1,589

2,163

2,232

930

933

345

0

0

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other

7,732

8,599

7,947

7,726

7,575

6,889

6,962

7,309

7,379

7,025

6,060

5,671

4,985

4,949

5,437

5,150

5,208

5,130

5,646

5,631

5,606

5,516

5,573

5,670

5,529

5,545

5,250

5,091

5,095

5,108

5,088

5,081

5,212

4,569

4,619

4,844

0

0

0

Total noninterest expenses

56,293

55,154

54,461

54,013

51,419

49,873

49,753

49,842

51,043

57,745

54,791

50,763

45,264

34,802

33,905

34,358

33,982

33,632

34,248

34,561

35,030

35,324

34,638

33,684

34,692

34,756

38,737

40,533

38,290

37,267

39,050

36,596

37,073

36,641

30,645

30,854

0

0

0

Income before income tax expense

36,586

39,583

38,283

36,976

34,470

35,096

34,471

34,315

33,955

21,579

19,996

17,953

16,467

25,305

24,097

22,906

22,571

22,995

21,800

21,178

18,916

16,034

14,845

13,461

11,635

10,756

9,262

7,361

7,195

6,932

6,771

8,036

7,776

5,109

2,566

-4,507

0

0

0

Income Tax Expense (Benefit)

7,306

7,717

7,116

6,971

6,749

7,024

11,526

12,339

12,981

9,664

5,693

5,299

4,848

8,008

7,365

6,794

6,692

6,893

6,645

6,348

5,664

4,678

3,902

3,582

2,971

2,688

1,875

1,249

1,387

1,219

1,682

2,008

1,756

1,035

100

-2,159

0

0

0

Net Income (Loss), Including Portion Attributable to Noncontrolling Interest

29,280

31,866

31,167

30,005

27,721

28,072

22,945

21,976

20,974

11,915

14,303

12,654

11,619

17,297

16,732

16,112

15,879

16,102

15,155

14,830

13,252

11,356

10,943

9,879

8,664

8,068

7,387

6,112

5,808

5,713

5,544

0

0

-

0

-

-

-

-

Net Income

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

0

Dividends on preferred shares

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

771

772

773

774

775

777

777

777

777

731

611

491

371

296

296

0

0

0

Net income (loss) applicable to common shares

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

15,879

16,102

14,963

14,445

12,674

10,585

10,171

9,106

7,890

7,293

6,610

5,335

5,031

4,936

4,358

5,417

5,529

3,703

2,170

-2,644

0

0

0

Earnings Per Share, Basic

0.35

0.66

0.65

0.68

0.56

0.60

0.56

0.51

0.60

0.24

0.48

0.43

-0.15

0.44

0.40

0.40

0.38

0.35

0.34

0.38

0.49

0.39

0.42

0.30

0.29

0.34

0.28

0.14

0.22

0.25

0.11

0.10

0.20

0.18

0.25

0.11

-0.04

-0.03

-0.40

Earnings Per Share, Diluted

0.35

0.64

0.65

0.68

0.56

0.60

0.55

0.51

0.60

0.24

0.48

0.43

-0.15

0.43

0.40

0.40

0.38

0.37

0.34

0.38

0.41

0.32

0.35

0.25

0.25

0.28

0.24

0.13

0.19

0.23

0.10

0.09

0.18

0.18

0.24

0.11

-0.04

-0.03

-0.40

Fiduciary and Trust [Member]
Revenue from Contract with Customer, Including Assessed Tax

2,643

2,564

2,457

2,512

2,572

2,653

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Deposit Account [Member]
Revenue from Contract with Customer, Including Assessed Tax

5,177

5,094

4,925

4,828

4,720

4,631

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Credit and Debit Card [Member]
Revenue from Contract with Customer, Including Assessed Tax

3,655

3,536

3,440

3,309

3,217

3,152

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-