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SUMMIT FINANCIAL GROUP, INC. (NASDAQ - SMMF)  
Trend Analysis--Quarterly (click here for Annual Analysis)

For the definition of a financial field, click on the field name.


Balance Sheet ($000)
2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,606,3091,319,53621.731,571,7938.78
Loans Held for Sale, before ReservesNA176NA220NA
Loan Loss Reserve12,56511,6747.6312,4653.21
Net Loans ReceivableNA1,308,038NA1,559,548NA
Intangible Assets27,51313,652101.5327,879(5.25)
Total Assets2,134,2401,758,64721.362,101,1366.30
Deposits1,600,6011,295,51923.551,616,768(4.00)
Debt, Senior and Subordinated315,839290,7208.64268,33270.82
Common Equity201,505155,36029.70198,7825.48
Total Shareholders' Equity201,505155,36029.70198,7825.48
Shares Outstanding (actual)12,358,56210,883,50913.5512,428,342(2.25)
Income Statement ($000)
2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Net Interest Income17,43813,45729.5817,2324.78
Provision for Loan Losses3750NM3750.00
Noninterest Income4,0022,70847.783,9742.82
Noninterest Expense12,3329,29132.7312,436(3.35)
Net Income Before Taxes8,6487,06422.428,41011.32
Provision for Taxes6,3252,353168.812,480620.16
Net Income2,3234,710(50.68)5,930(243.31)
Per Share Items ($)
2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Book Value per Share16.3014.2714.2215.997.77
Tangible Book Value14.0813.028.1313.759.53
Diluted EPS Before Extra0.190.44(56.82)0.48(241.67)
Diluted EPS After Extra0.190.44(56.82)0.48(241.67)
Dividends Declared0.11000.100010.000.11000.00
Performance Ratios (%)
2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
ROAA0.441.07(63)1.14(70)
ROAE4.6212.22(760)12.10(748)
Net Interest Margin3.653.34313.650
Loans / Deposits100.36101.85(150)97.22314
Efficiency Ratio51.4756.67(520)53.73(226)
Balance Sheet Ratios (%)
2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.268.12148.242
Equity/ Assets9.448.83619.46(2)
Asset Quality Ratios (%)
2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.732.22(49)1.84(11)
Loan Loss Reserves/ Gross LoansNA0.88NA0.79NA
Loan Loss Reserves/ NPAsNA17.38NA18.61NA
Net Charge-offs/ Avg Loans0.07(0.02)90.061
Regulatory Capital Ratios (%)
2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio11.8011.77311.90(10)
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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