SMMF Summit Financial Group Inc

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

☒         QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended June 30, 2021

or

☐         TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES

EXCHANGE ACT OF 1934  For the transition period from ___________ to __________.

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Sections 13 or 15(d) of the Securities and Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

Yes			☑			No			☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).

Yes			☑			No			☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer”, “accelerated filer”, “smaller reporting company” and "emerging growth company" in Rule 12b-2 of the Exchange Act.

Large accelerated filer o               Accelerated filer þ    Non-accelerated filer o

                  Smaller reporting company ☐     Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

Yes			☐			No			☑

Indicate the number of shares outstanding of each of the issuer’s classes of Common Stock as of the latest practicable date.

Common Stock, $2.50 par value

12,996,260 shares outstanding as of August 4, 2021

									Page
PART  I.			FINANCIAL INFORMATION
			Item 1.			Financial Statements
						Consolidated balance sheets June 30, 2021 (unaudited) and December 31, 2020			4
						Consolidated statements of income for the three and six months ended June 30, 2021 and 2020 (unaudited)			5
						Consolidated statements of comprehensive income for the three and six months ended June 30, 2021 and 2020 (unaudited)			6
						Consolidated statements of shareholders’ equity for the three and six months ended June 30, 2021 and 2020 (unaudited)			7
						Consolidated statements of cash flows for the six months ended June 30, 2021 and 2020 (unaudited)			9
						Notes to consolidated financial statements (unaudited)			11
			Item 2.			Management's Discussion and Analysis of Financial Condition and Results of Operations			46
			Item 3.			Quantitative and Qualitative Disclosures about Market Risk			61
			Item 4.			Controls and Procedures			63
PART II.			OTHER INFORMATION
			Item 1.			Legal Proceedings			64
			Item 1A.			Risk Factors			63
			Item 2.			Unregistered Sales of Equity Securities and Use of Proceeds			None
			Item 3.			Defaults upon Senior Securities			None
			Item 4.			Mine Safety Disclosures			None
			Item 5.			Other Information			None
			Item 6.			Exhibits			65
EXHIBIT INDEX									66
SIGNATURES									67

Consolidated Balance Sheets (unaudited)

			June 30, 2021						December 31, 2020
Dollars in thousands, except per share amounts			(unaudited)						(*)
ASSETS
Cash and due from banks			$	18,707					$	19,522
Interest bearing deposits with other banks			176,282						80,265
Cash and cash equivalents			194,989						99,787
Debt securities available for sale (at fair value)			345,742						286,127
Debt securities held to maturity (at amortized cost; estimated fair value - $102,388 - 2021, $103,157 - 2020)			98,995						99,914
Less: allowance for credit losses			—						—
Debt securities held to maturity, net			98,995						99,914
Other investments			10,661						14,185
Loans held for sale			1,783						1,998
Loans, net of unearned fees			2,429,770						2,412,153
Less: allowance for credit losses			(33,885)						(32,246)
Loans, net			2,395,885						2,379,907
Property held for sale			13,170						15,588
Premises and equipment, net			53,104						52,537
Accrued interest and fees receivable			10,397						11,989
Goodwill and other intangible assets, net			53,858						55,123
Cash surrender value of life insurance policies and annuities			60,087						59,438
Other assets			33,862						29,791
Total assets			$	3,272,533					$	3,106,384
LIABILITIES AND SHAREHOLDERS' EQUITY
Liabilities
Deposits
Non-interest bearing			$	503,097					$	440,818
Interest bearing			2,226,108						2,154,833
Total deposits			2,729,205						2,595,651
Short-term borrowings			140,146						140,146
Long-term borrowings			689						699
Subordinated debentures			29,432						29,364
Subordinated debentures owed to unconsolidated subsidiary trusts			19,589						19,589
Other liabilities			38,265						39,355
Total liabilities			2,957,326						2,824,804
Commitments and Contingencies
Shareholders' Equity
Preferred stock, $1.00 par value, authorized 250,000 shares; issued: 2021 - 1,500			14,920						—
Common stock and related surplus, $2.50 par value; authorized 20,000,000 shares; issued: 2021 - 12,995,260 shares and 2020 - 12,985,708 shares; outstanding: 2021 - 12,963,057 shares and 2020 - 12,942,004			95,511						94,964
Unallocated common stock held by Employee Stock Ownership Plan - 2021 - 32,203 shares and 2020 - 43,704 shares			(347)						(472)
Retained earnings			198,022						181,643
Accumulated other comprehensive income			7,101						5,445
Total shareholders' equity			315,207						281,580
Total liabilities and shareholders' equity			$	3,272,533					$	3,106,384

(*) - Derived from audited consolidated financial statements

See Notes to Consolidated Financial Statements

						For the Three Months Ended June 30,												For the Six Months Ended June 30,
Dollars in thousands, except per share amounts						2021						2020						2021						2020
Interest income
Interest and fees on loans
Taxable						$	27,593					$	25,466					$	55,012					$	50,555
Tax-exempt						104						158						222						304
Interest and dividends on securities
Taxable						1,351						1,453						2,646						3,211
Tax-exempt						851						800						1,713						1,352
Interest on interest bearing deposits with other banks						56						60						123						158
Total interest income						29,955						27,937						59,716						55,580
Interest expense
Interest on deposits						2,136						4,186						4,632						9,537
Interest on short-term borrowings						464						499						933						1,129
Interest on long-term borrowings and subordinated debentures						544						186						1,089						405
Total interest expense						3,144						4,871						6,654						11,071
Net interest income						26,811						23,066						53,062						44,509
Provision for credit losses						1,000						3,000						2,500						8,250
Net interest income after provision for credit losses						25,811						20,066						50,562						36,259
Noninterest income
Trust and wealth management fees						683						582						1,321						1,247
Mortgage origination revenue						898						641						1,896						855
Service charges on deposit accounts						1,093						882						2,193						2,145
Bank card revenue						1,519						1,087						2,860						2,020
Realized securities gains, net						127						—						602						1,038
Bank owned life insurance and annuities income						275						275						573						539
Other						120						131						244						255
Total noninterest income						4,715						3,598						9,689						8,099
Noninterest expenses
Salaries, commissions and employee benefits						8,230						7,655						16,665						15,160
Net occupancy expense						1,131						977						2,305						1,860
Equipment expense						1,598						1,360						3,180						2,789
Professional fees						428						417						766						804
Advertising and public relations						138						93						228						244
Amortization of intangibles						382						410						787						839
FDIC premiums						488						110						765						275
Bank card expense						685						560						1,259						1,063
Foreclosed properties expense						746						240						972						1,207
Acquisition-related expenses						454						637						893						1,425
Other						2,756						2,738						5,649						4,529
Total noninterest expenses						17,036						15,197						33,469						30,195
Income before income tax expense						13,490						8,467						26,782						14,163
Income tax expense						2,930						1,518						5,863						2,708
Net income						10,560						6,949						20,919						11,455
Dividends on preferred shares						139						—						139						—
Net income applicable to common shares						$	10,421					$	6,949					$	20,780					$	11,455
Basic earnings per common share						$	0.80					$	0.54					$	1.61					$	0.89
Diluted earnings per common share						$	0.80					$	0.54					$	1.60					$	0.88

See Notes to Consolidated Financial Statements 

			For the Three Months Ended   June 30,
Dollars in thousands			2021						2020
Net income			$	10,560					$	6,949
Other comprehensive (loss) income:
Net unrealized loss on cashflow hedge of: 2021 - $(3,678), net of deferred taxes of $(883); 2020 - $(1,072), net of deferred taxes of $(257)			(2,795)						(815)
Net unrealized gain on securities available for sale of: 2021 - $1,418, net of deferred taxes of $340 and reclassification adjustment for net realized gains included in net income of $127, net of tax of $30; 2020 - $4,350, net of deferred taxes of $1,044			1,078						3,306
Total other comprehensive (loss) income			(1,717)						2,491
Total comprehensive income			$	8,843					$	9,440

See Notes to Consolidated Financial Statements