US-listed companies
SUMMIT FINANCIAL GROUP, INC.

SUMMIT FINANCIAL GROUP, INC.SMMF

Market cap

$377.14M

P/E ratio

Income statement Balance sheet Cash flow

	Dec 31, 2011	Dec 31, 2012	Dec 31, 2013	Dec 31, 2014	Dec 31, 2015	Dec 31, 2016	Dec 31, 2017	Dec 31, 2018	Dec 31, 2019	Dec 31, 2020	Dec 31, 2021	Dec 31, 2022
Cash and due from banks	4	4	3	4	4	4	10	23	28	20	21	16
Interest bearing deposits with other banks	28	11	8	9	6	42	43	36	34	80	57	28
Cash and cash equivalents	-	15	12	13	9	47	53	60	62	100	78	45
Debt securities available for sale (at fair value)	-	-	-	-	-	-	-	293	276	286	401	405
Debt securities held to maturity (at amortized cost; estimated fair value - $86,627 - 2022, $101,242 - 2021)	-	-	-	-	-	-	-	-	-	100	98	96
Debt securities held to maturity, net	-	-	-	-	-	-	-	-	-	-	-	96
Equity investments (at fair value)	-	-	-	-	-	-	-	-	-	-	20	29
Other investments	19	15	8	6	9	13	15	17	13	14	11	16
Loans held for sale	-	-	-	-	-	0	-	0	1	2	0	-
Loans net of unearned fees	-	-	-	-	-	-	-	1,695	1,913	2,412	2,761	3,083
Less: allowance for credit losses	-	-	-	-	-	-	-	13	13	32	32	39
Loans, net	966	937	937	1,020	1,079	1,308	1,594	1,682	1,900	2,380	2,729	3,044
Property held for sale	64	56	53	38	26	25	21	21	19	16	10	5
Premises and equipment, net	22	21	21	20	22	24	34	38	44	53	56	54
Accrued interest and fees receivable	6	6	6	6	6	6	8	9	8	12	11	16
Goodwill and other intangible assets, net	-	-	8	8	7	14	28	26	23	55	64	62
Cash surrender value of life insurance policies and annuities	29	30	36	37	38	39	41	42	44	59	61	72
Derivative financial instruments	-	-	-	-	-	-	-	-	-	-	-	41
Other assets	16	18	17	14	15	17	11	13	12	30	37	32
Total assets	1,450	1,387	1,386	1,444	1,492	1,759	2,134	2,201	2,403	3,106	3,577	3,917
Non-interest bearing	89	101	93	115	119	150	217	222	261	441	569	554
Interest bearing	928	927	911	946	948	1,146	1,383	1,413	1,653	2,155	2,374	2,616
Total deposits	1,017	1,027	1,004	1,061	1,067	1,296	1,601	1,635	1,913	2,596	2,943	3,170
Short-term borrowings	16	4	63	124	171	224	250	309	199	140	140	226
Long-term borrowings	270	203	164	77	76	47	46	1	1	1	1	1
Subordinated debentures, net	17	17	17	17	-	-	-	-	-	29	103	103
Subordinated debentures owed to unconsolidated subsidiary trusts	20	20	20	20	20	20	20	20	20	20	20	20
Other liabilities	8	8	9	13	15	17	16	17	23	39	43	43
Total liabilities	1,348	1,279	1,275	1,312	1,349	1,603	1,933	1,981	2,156	2,825	3,249	3,562
Preferred stock, $1.00 par value, authorized 250,000 shares; issued: 2022 and 2021 - 1,500 shares	-	-	9	-	-	-	-	-	-	-	15	15
Common stock and related surplus, $2.50 par value; authorized 20,000,000 shares; issued: 2022 - 12,783,646 shares, 2021 - 12,763,827 shares; outstanding: 2022 - 12,783,646 shares, 2021 - 12,743,125 shares	25	25	25	33	46	47	81	80	80	95	90	91
Retained earnings	65	70	77	88	100	113	120	141	166	182	218	260
Accumulated other comprehensive (loss) income	4	5	-0	2	-0	-3	2	-1	3	5	5	-11
Total shareholders' equity	103	109	111	132	144	155	202	220	248	282	327	355
Total liabilities and shareholders' equity	1,450	1,387	1,386	1,444	1,492	1,759	2,134	2,201	2,403	3,106	3,577	3,917