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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 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,571,7931,246,22426.121,550,4155.52
Loans Held for Sale, before Reserves2200NM1,054(316.51)
Loan Loss Reserve12,46511,6197.2812,3324.31
Net Loans Receivable1,559,5481,234,60526.321,539,1375.30
Intangible Assets27,8797,348279.4128,214(4.75)
Total Assets2,101,1361,657,63626.752,095,3001.11
Deposits1,616,7681,156,78439.761,613,9190.71
Debt, Senior and Subordinated268,332328,392(18.29)271,076(4.05)
Common Equity198,782153,82029.23193,13211.70
Total Shareholders' Equity198,782153,82029.23193,13211.70
Shares Outstanding (actual)12,428,34210,857,80114.4612,426,5540.06
Income Statement ($000)
2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Net Interest Income17,23212,03743.1617,848(13.81)
Provision for Loan Losses3750NM250200.00
Noninterest Income3,9742,68847.843,82615.47
Noninterest Expense12,4368,17252.1812,481(1.44)
Net Income Before Taxes8,4106,36732.097,57843.92
Provision for Taxes2,4802,08618.892,30031.30
Net Income5,9304,28138.525,27849.41
Per Share Items ($)
2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Book Value per Share15.9914.1712.9015.5411.64
Tangible Book Value13.7513.491.9413.2714.46
Diluted EPS Before Extra0.480.4020.000.4346.51
Diluted EPS After Extra0.480.4020.000.4346.51
Dividends Declared0.11000.100010.000.11000.00
Performance Ratios (%)
2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
ROAA1.141.0861.0113
ROAE12.1011.298111.10100
Net Interest Margin3.653.32333.81(16)
Loans / Deposits97.22107.73(1,051)96.07115
Efficiency Ratio53.7353.304353.0073
Balance Sheet Ratios (%)
2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.248.88(63)7.9826
Equity/ Assets9.469.28189.2224
Asset Quality Ratios (%)
2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.842.36(52)1.786
Loan Loss Reserves/ Gross Loans0.790.93(14)0.790
Loan Loss Reserves/ NPAs18.6117.2213919.34(73)
Net Charge-offs/ Avg Loans0.06(0.08)14(0.09)16
Regulatory Capital Ratios (%)
2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio11.9012.40(50)11.6921
   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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