0000811808-13-000024.txt : 20131226 0000811808-13-000024.hdr.sgml : 20131225 20131011163149 ACCESSION NUMBER: 0000811808-13-000024 CONFORMED SUBMISSION TYPE: CORRESP PUBLIC DOCUMENT COUNT: 2 FILED AS OF DATE: 20131011 FILER: COMPANY DATA: COMPANY CONFORMED NAME: SUMMIT FINANCIAL GROUP INC CENTRAL INDEX KEY: 0000811808 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 550672148 STATE OF INCORPORATION: WV FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: CORRESP BUSINESS ADDRESS: STREET 1: 300 NORTH MAIN ST CITY: MOOREFIELD STATE: WV ZIP: 26836 BUSINESS PHONE: 3045301000 MAIL ADDRESS: STREET 1: 300 NORTH MAIN ST CITY: MOOREFIELD STATE: WV ZIP: 26836 FORMER COMPANY: FORMER CONFORMED NAME: SOUTH BRANCH VALLEY BANCORP INC DATE OF NAME CHANGE: 19920703 CORRESP 1 filename1.htm response20131011corresp.htm


 
 
October 11, 2013


Mr. Gus Rodriguez
Mr. Marc Thomas
Division of Corporation Finance
United States Securities and Exchange Commission
Washington, DC  20549

VIA EDGAR

RE:           Summit Financial Group, Inc.
Form 10-K for the Fiscal Period Ended December 31, 2012
Filed February 28, 2013
Form 10-Q for Period Ended June 30, 2013
Filed August 7, 2013
Form 8-K filed July 25, 2013
File No. 000-16587

Dear Mr. Rodriguez and Mr. Thomas:

This letter is provided on behalf of Summit Financial Group, Inc.  (“Summit” or the “Company”) in response to your letter of September 13, 2013 regarding the Company’s Form 10-K for the fiscal period ended December 31, 2012, Form 10-Q for the period ended June 30, 2013 and Form 8-K filed July 25, 2013.  In accordance with your request, we have responded to each of the comments included in your letter.  Accordingly, set forth below in italics are each comment contained in your letter, followed immediately by Summit’s response to each:

Form 10-K filed for the Year Ended December 31, 2012

Consolidated Statements of Income, page 49

1.  
You classified write-downs on foreclosed properties within noninterest income.  Please tell us your basis for classifying these expenses with other sources of revenue and why these expenses were not classified within noninterest expense.

Response
Our bases for classifying our write-downs on foreclosed properties within the noninterest income section of our consolidated statements of income are as follow:
 
 
 
 
Mr. Gus Rodriguez and Mr. Marc Thomas
Securities and Exchange Commission
October 11, 2013
Page 2
 
 

 
·  
Realized gains and losses on the sales of our foreclosed properties, included in the line item “gain (loss) on sales of assets”, are classified as noninterest income on our consolidated statements of income;
·  
Other gains and losses, such as realized and unrealized (OTTI) on securities, are classified as noninterest income; and,
·  
The instructions for preparation of the FFIEC: Reports of Condition and Income (“Call Reports”) which we submit to  our bank regulatory authorities require write-downs of other real estate owned subsequent to acquisition to be reported in the noninterest income section of the Call Report’s Report of Income (see Call Report Instructions relative to Schedule RI – Item No. 5.j.).
·  
We believe disaggregating write-downs of our foreclosed proposed properties from “foreclosed properties expense”, included in noninterest expense, is meaningful additional disclosure to the users of our financial statements.


Note 4 – Investment Securities, page 60

2.  
You have investments of over $95 million in state and political subdivisions that comprise 88% of your shareholders’ equity at December 31, 2012. Please provide us proposed revised disclosure to be included in future periodic reports that:

·  
Disclose the amortized cost and fair value of your general obligation and special revenue bonds categorized by state, municipality and political subdivision;

·  
Disclose the nature and primary revenue sources for your special revenue bonds;

·  
Disclose any concentrations in state, municipal and political subdivision bonds;

·  
Disclose your procedures for evaluating investments in states, municipalities and political subdivisions and how you factor in the credit ratings of these securities in your investment analysis.  Also, tell us the investments for which you performed these procedures and, for those where these procedures resulted in you concluding that the rating assigned by the third party credit rating agency was significantly different than your analysis, provide the fair value and amortized cost of those investments, as well as how and why your conclusion differed.


 
 
 
Mr. Gus Rodriguez and Mr. Marc Thomas
Securities and Exchange Commission
October 11, 2013
Page 3



Response
Please see attached Exhibit A for our proposed revised future periodic disclosures addressing the above requested additional information relative to our portfolio of state, municipal and political subdivision bonds.


Form 10-Q filed for the Period Ended June 30, 2013

Notes to Consolidated Financial Statements

Note 6.  Loans, page 21

3.  
Please tell us and revise, in future filings, to provide a rollforward of troubled debt restructurings activity for the periods presented.

Response
We will revise our future periodic filings to provide a rollforward of troubled debt restructuring activity for the periods presented. Please see attached Exhibit B for the tables which provide such information for the three month and six month periods ended June 30, 2013.

4.  
Further, please tell us and revise in future filings, to provide in tabular format, a breakdown of troubled debt restructurings by loan type for the periods presented.

Response
We will revise our future periodic filings to provide in tabular format, a summary of troubled debt restructurings by loan type as of the periods presented. Please see attached Exhibit B for the tables which provide this information as of June 30, 2013.

5.  
Please tell us and revise, in future filings, to disclose the related allowance for loan losses recorded on the troubled debt restructurings for the period presented.

Response
We will revise our future periodic filings to disclose the related allowance for loan losses recorded on troubled debt restructuring as of the periods presented. Please see attached Exhibit B for the table which provides such information as of June 30, 2013.


 
 
 
Mr. Gus Rodriguez and Mr. Marc Thomas
Securities and Exchange Commission
October 11, 2013
Page 4



Management’s Discussion and Analysis of Financial Condition and Results of Operations

Credit Experience, page 50

6.  
In regard to the significant nonperforming relationships identified as of June 30, 2013, please tell us the dates of the most recent appraisals received on these specific loans. For the two largest loans explain to us the status of the respective lending relationships as well as indicate whether there is cross-collateralization of the collateral on the largest nonperforming loan.

Response
Please see attached Exhibit C for the dates of the most recent appraisals of the collateral securing our significant nonperforming relationships.

The following is a summary of the present status with respect to our two largest nonperforming loan relationships:

·  
Northern VA loans secured by single family residence and business investment having a balance of $9.0 million – Loans’ collateral is cross-collateralized; however, balance secured by value of borrower business investment was previously charged off in full. We are in process of foreclosure of the remaining collateral consisting of a large estate property, which we expect to occur by year end 2013.

·  
Residential land development loan in Eastern Panhandle WV with a balance of $7.3 million – Borrower has had extensive, ongoing negotiations to sell this property to a developer, which have been protracted due to the proposed development’s large scale and complexity, as well as the proposed buyer’s difficulty in obtaining necessary financing.  We continue to monitor developments relative to these negotiations closely.


Summary of Non-performing Assets Table, page 51

7.  
Please tell us and revise, in future filings, to disclose the ratio of allowance for loan losses to nonperforming loans and the ratio of the allowance for loan losses to total loans for each of the periods presented.

Response
We will revise our future periodic filings to disclose in the Non-performing Assets Table the ratio of allowance for loan losses to nonperforming loans and the ratio of the allowance for loan losses to total loans for each of the periods presented. Please see attached Exhibit D for such information as of June 30, 2013.

 
 
Mr. Gus Rodriguez and Mr. Marc Thomas
Securities and Exchange Commission
October 11, 2013
Page 5
 

Form 8-K filed July 25, 2013

8.  
In accordance with Item 10(e) of Regulation S-K, please revise your discussion of the non-GAAP financial measures to include a statement disclosing the reasons why management believes the presentation of the non-GAAP measures of net income applicable to common shares, total revenues and total noninterest income provides useful information to investors regarding the financial condition and the results of operations. A statement disclosing the additional purposes, if any, for which management uses the non-GAAP measure should also be provided.

Response
We will revise our disclosures relative to non-GAAP financial measures in future earnings press releases furnished under Item 2.02 – Results of Operations and Financial Condition in filings on Form 8-K, as indicated below.

Non-GAAP Financial Measures
This press release contains financial information determined by methods other than in accordance with generally accepted accounting principles in the United States of America ("GAAP").  Specifically, Summit adjusted GAAP performance measures to exclude the effects of realized and unrealized securities gains and losses, gains/losses on sales of assets, and write-downs of foreclosed properties to estimated fair value included in its Statements of Income. Management deems these items to be unusual in nature and believes presentations of financial measures excluding the impact of these items provide useful supplemental information that is important for a proper understanding of Summit’s results of operations for the following reasons:  (1) trading securities is not deemed a core business activity of  Summit; and (2) prior to the financial crisis in 2008, the recognition of material unrealized securities losses, write-down of foreclosed properties, and gains/losses on sales of assets were infrequent, and results excluding their impact will be beneficial to readers, if our levels of nonperforming assets return to historical levels the operating results of Summit's core business and . These disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies.
 
 
 
 
Mr. Gus Rodriguez and Mr. Marc Thomas
Securities and Exchange Commission
October 11, 2013
Page 6
 

9.  
In addition, given that the line items being utilized in arriving at the non-GAAP performance measures seem to be frequent and recurring, tell us how the information presented is in accordance with Item 10(e) of Regulation S-K.

Response
Our response to Item 8 above is also responsive to this comment.

10.  
Please revise to eliminate the reference to “pro forma” earnings from future filings.

Response
We will revise to eliminate the reference to pro forma earnings from our future earnings releases furnished in future periodic filings.

 
In addition to the above responses, Summit acknowledges that:
 
·  
the Company is responsible for the adequacy and accuracy of the disclosure in the filing;
 
·  
staff comments or changes to disclosure in response to staff comments do not foreclose the Commission from taking any action with respect to the filing; and
 
·  
the Company may not assert staff comments as a defense in any proceeding initiated by the Commission or any person under the federal securities laws of the United States.
 

Please feel free to contact me directly via email at rtissue@summitfgi.com or by phone at (304) 530-0552 should you have any further questions regarding this response or the filings.

                                Sincerely,

                                /s/  Robert S. Tissue
                                Robert S. Tissue
                                Senior Vice President &
                               Chief Financial Officer



 
 
 
 

 
EXHIBIT A
               
               
 
June 30, 2013
 
Amortized
  
Unrealized
  
Estimated
 Dollars in thousands
Cost
  
Gains
  
Losses
  
Fair Value
 Available for Sale
              
     Taxable debt securities:
              
         U. S. Government agencies
              
             and corporations
 $ 35,605   $ 1,186   $ 27   $ 36,764
         Residential mortgage-backed securities:
                      
              Government-sponsored agencies
   147,738     2,313     1,510     148,541
              Nongovernment-sponsored agencies
   12,373     326     42     12,657
         State and political subdivisions:
                      
             General obligations
   9,096     -     330     8,766
             Water and sewer revenues
   1,907     -     77     1,830
             College student fee revenues
   1,874     -     86     1,788
             Other revenues
   961     2     -     963
         Corporate debt securities
   3,966     27     34     3,959
 Total taxable debt securities
   213,520     3,854     2,106     215,268
     Tax-exempt debt securities:
                      
         State and political subdivisions:
                      
             General obligations
   49,312     1,400     1,031     49,681
             Water and sewer revenues
   6,835     91     251     6,675
             Lease revenues
   8,902     11     417     8,496
             Lottery/casino revenues
   4,472     80     163     4,389
             Other revenues
   6,704     65     175     6,594
         Residential mortgage-backed securities:
                      
              Government-sponsored agencies
   -     -     -     -
 Total tax-exempt debt securities
   76,225     1,647     2,037     75,835
     Equity securities
   77     -     -     77
 Total available for sale securities
 $ 289,822   $ 5,501   $ 4,143   $ 291,180


 
 
 
 


Continued
               
 
December 31, 2012
 
Amortized
  
Unrealized
  
Estimated
 Dollars in thousands
Cost
  
Gains
  
Losses
  
Fair Value
 Available for Sale
              
     Taxable debt securities
              
         U. S. Government agencies
              
             and corporations
 $ 28,128   $ 892   $ -   $ 29,020
Residential mortgage-backed securities:
                  
             Government-sponsored agencies
   133,812     3,250     492     136,570
             Nongovernment-sponsored entities
   15,380     509     144     15,745
         State and political subdivisions:
                      
             General obligations
   8,847     58     57     8,848
             Water and sewer revenues
   1,920     -     32     1,888
             College student fee revenues
   450     3     -     453
             Other revenues
   970     10     -     980
         Corporate debt securities
   1,959     29     38     1,950
 Total taxable debt securities
   191,466     4,751     763     195,454
     Tax-exempt debt securities
                      
         State and political subdivisions:
                      
             General obligations
   54,948     3,259     145     58,062
             Water and sewer revenues
   5,773     171     47     5,897
             Lease revenues
   6,910     159     13     7,056
             Lottery/casino revenues
   4,500     305     9     4,796
             Other revenues
   7,272     210     23     7,459
         Residential mortgage-backed securities                      
             Government-sponsored agencies
   2,738     -     -     2,738
 Total tax-exempt debt securities
   82,141     4,104     237     86,008
     Equity securities
   77     -     -     77
 Total available for sale securities
 $ 273,684   $ 8,855   $ 1,000   $ 281,539


 
 
 



Continued
 
Below are the five states where the highest volume of state and political subdivision securities held in our portfolio are located. We own no such securities of any single issuer which we deem to be a concentration.
 
June 30, 2013
 
Amortized
  
Unrealized
  
Estimated
 Dollars in thousands
Cost
  
Gains
  
Losses
  
Fair Value
               
 West Virginia
 $ 12,079   $ 115   $ 213   $ 11,981
 Illinois
   10,209     83     454     9,838
 Texas
   7,770     310     174     7,906
 California
   6,052     101     231     5,922
 Pennsylvania
   6,045     113     96     6,062
                       
                       
                       
Management performs pre-purchase and ongoing analysis to confirm that all investment securities meet applicable credit quality standards. Prior to July 1, 2013, we principally used credit ratings from Nationally Recognized Statistical Rating Organizations ("NRSROs") to support analyses of our portfolio of securities issued by state and political subdivisions, as we generally do not purchase securities that are rated below the six highest NRSRO rating categories. Beginning July 1, 2013, in addition to considering a security's NRSRO rating, we now also assess or confirm through an internal review of issuers' financial information and other applicable information that: 1) the issuer's risk of default is low; 2) the characteristics of the issuer's demographics and economic environment are satisfactory; and 3) the issuer's budgetary position and stability of tax or other revenue sources are sound.
 
 
 
 
 
 
 
 
 
 

 
 
 


EXHIBIT B
                                             
 
The following tables detail the activity regarding troubled debt restructurings by loan type for the three months and six months ended June 30, 2013, and the allowance for loan losses attributable to troubled debt restructurings as of June 30, 2013.
For the Three Months Ended June 30, 2013
   
Construction & Land Development
                                    
   
Land &
          
Commercial Real Estate
  
Residential Real Estate
            
   
Land
              
Non-
                        
   
Devlop-
  
Construc-
  
Commer-
  
Owner
  
Owner
  
Non-
      
Home
  
Con-
        
Dollars in thousands
  
ment
  
tion
  
cial
  
Occupied
  
Occupied
  
jumbo
  
Jumbo
  
Equity
  
sumer
  
Other
  
Total
Troubled debt restructurings
                                        
Balance March 31, 2013
   $ 8,615   $ -   $ 4,639   $ 10,050   $ 5,404   $ 4,811   $ 18,911   $ -   $ 62   $ -   $ 52,492
   New TDRs
     -     -     23     -     -     241     -     -     -     -     264
   Charge-offs
     -     -     (34 )   -     -     -     (3,564 )   -     -     -     (3,598)
   Net (paydowns) advances
     (66 )   -     (893 )   (64 )   (36 )   (34 )   2     -     -     -     (1,091)
   Transfer into OREO
     -     -     -     -     -     -     -     -     -     -     -
   Refinance out of TDR status
     -     -     -     -     -     -     -     -     -     -     -
Balance June 30, 2013
   $ 8,549   $ -   $ 3,735   $ 9,986   $ 5,368   $ 5,018   $ 15,349   $ -   $ 62   $ -   $ 48,067


 

 
 
 




Continued
                                               
For the Six Months Ended June 30, 2013
   
Construction & Land Development
                                      
   
Land &
          
Commercial Real Estate
  
Residential Real Estate
            
   
Land
              
Non-
                          
   
Devlop-
  
Construc-
  
Commer-
  
Owner
  
Owner
  
Non-
        
Home
  
Con-
        
Dollars in thousands
  
ment
  
tion
  
cial
  
Occupied
  
Occupied
  
jumbo
    
Jumbo
  
Equity
  
sumer
  
Other
  
Total
Troubled debt restructurings
                                          
Balance December 31, 2012
   $ 9,570   $ -   $ 4,981   $ 10,692   $ 7,332   $ 5,088     $ 19,000   $ -   $ 66   $ -   $ 56,729
   New TDRs
     49     -     23     -     -     241       -     -     -     -     313
   Charge-offs
     (888 )   -     (33 )   (63 )   -     (8 )     (3,565 )   -     -     -     (4,557)
   Net (paydowns) advances
     (182 )   -     (1,236 )   (124 )   (73 )   (303 )     (86 )   -     (4 )   -     (2,008)
   Transfer into OREO
     -     -     -     (519 )   -     -       -     -     -     -     (519)
   Refinance out of TDR status
     -     -     -     -     (1,891 )   -       -     -     -     -     (1,891)
Balance June 30, 2013
   $ 8,549   $ -   $ 3,735   $ 9,986   $ 5,368   $ 5,018     $ 15,349   $ -   $ 62   $ -   $ 48,067
                                                                     
                                                                     
Allowance attributable to
                                                              
   troubled debt restructurings
   $ 40   $ -   $ 260   $ 223   $ 113   $ 267     $ 1,044   $ -   $ 13   $ -   $ 1,960








 
 
 







EXHIBIT C
                           
Significant Nonperforming Loan Relationships
June 30, 2013
Dollars in thousands
Location
Underlying Collateral
Loan Origination Date
Loan Nonaccrual Date
  
Loan Balance
  
Method Used to Measure Impairment
Most Recent Appraised Value
    
Amount Allocated to Allowance for Loan Losses
  
Amount Previously Charged-off
 
Appraisal Date
Southwestern WV
Accounts Receivable, Inventory, Equipment, & Commercial Real Estate
Oct. 2007
Jun. 2012
   $ 2,075  
Collateral Value
 $ 3,081 (2)
May 2013
 $ 233   $ 565
Shenandoah Valley VA
Residential Building Lots
Aug. 2004, July 2005, & July 2007
Jun. 2011
   $ 1,435  
Collateral value
 $ 1,574 (1)
May 2013
 $ 40   $ 405
Northern VA
Single family residence & Business Investment
Aug. 2007, Oct. 2007 & Sept. 2008
Dec. 2011
   $ 9,000  
Collateral value
 $ 10,000 (1)
September 2012
 $ 1,000   $ 3,565
Eastern Panhandle WV
Residential development & undeveloped acreage
Mar. 2008 & June 2008
Jun. 2011
   $ 7,279  
Collateral value
 $ 6,713 (1)
May 2013
 $ 1,343   $ 1,134
Southcentral WV
UCC Business Assets & Residential Subdivision
Feb. 2003, Mar. 2008 & Apr. 2008
May 2011 & Jul. 2011
   $ 1,220  
Collateral value
 $ 1,594 (2)
September 2012
 $ 36   $ -
                                   
(1) - Values are based upon recent external appraisal.
                            
(2) - Value is based upon current appraisal on the real estate and most recent estimate on business assets.
            






 
 
 







EXHIBIT D
Summary of Non-performing Assets
 
 
As of:
 Dollars in thousands
6/30/2013
  
6/30/2012
  
12/31/2012
Non-performing assets:
          
           
   Non-performing loans
          
       Commercial
 $ 3,996   $ 6,476   $ 5,002
       Commercial real estate
   1,695     3,536     2,556
       Commercial construction and development
   -     662     -
       Residential construction and development
   11,505     16,735     13,641
       Residential real estate
   13,605     18,550     16,522
       Consumer
   91     78     55
Total nonperforming loans
   30,892     46,037     37,776
                 
   Foreclosed properties
                
       Commercial
   -     -     -
       Commercial real estate
   10,310     12,029     11,835
       Commercial construction and development
   11,492     18,632     17,597
       Residential construction and development
   21,591     26,014     23,074
       Residential real estate
   3,865     3,393     3,666
Total foreclosed properties
   47,258     60,068     56,172
                 
Other repossessed assets
   2     -     6
Total nonperforming assets
 $ 78,152   $ 106,105   $ 93,954
                 
Non-performing loans to period end loans
   3.29 %   4.76 %   3.96%
                 
Non-performing assets to period end assets
   5.70 %   7.49 %   6.77%
                 
ALLL  to non-performing loans
   45.71 %   38.86 %   47.47%
                 
ALLL to period end loans
   1.50 %   1.85 %   1.88%





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