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Summit State Bank Reports Net Income of $1.4 Million for First Quarter 2024; Declares Quarterly Cash Dividend of $0.12 Per Common Share

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Summit State Bank reported a net income of $1.4 million for the first quarter of 2024 and declared a cash dividend of $0.12 per common share. The bank's financial highlights show a decrease in net income compared to the previous quarters, impacted by challenges in the banking industry. Operating results indicate lower interest income and noninterest income, along with increased operating expenses. The balance sheet review shows a decrease in total deposits and an increase in net loans. Shareholders' equity and tangible book value have also increased. The credit quality remains stable, with a decline in nonperforming assets and no charge-offs during the first quarter.

Summit State Bank ha registrato un utile netto di 1,4 milioni di dollari per il primo trimestre del 2024 e ha dichiarato un dividendo in contanti di 0,12 dollari per azione ordinaria. I risultati finanziari hanno evidenziato una riduzione dell'utile netto rispetto ai trimestri precedenti, a causa delle difficoltà nel settore bancario. I risultati operativi mostrano un calo dei ricavi da interessi e dei ricavi non da interessi, unitamente a un aumento delle spese operative. L'analisi del bilancio rivela una diminuzione dei depositi totali e un incremento dei prestiti netti. Il patrimonio netto degli azionisti e il valore contabile tangibile sono aumentati. La qualità del credito rimane stabile, con un calo degli attivi non performanti e nessuna perdita su crediti nel primo trimestre.
Summit State Bank reportó un ingreso neto de 1,4 millones de dólares para el primer trimestre de 2024 y declaró un dividendo en efectivo de 0,12 dólares por acción común. Los aspectos financieros destacan una disminución en el ingreso neto en comparación con los trimestres anteriores, afectados por desafíos en la industria bancaria. Los resultados operativos indican una reducción en los ingresos por intereses y los ingresos no derivados de intereses, junto con un aumento en los gastos operativos. La revisión del balance muestra una disminución en los depósitos totales y un aumento en los préstamos netos. El patrimonio de los accionistas y el valor contable tangible también han aumentado. La calidad del crédito se mantiene estable, con una disminución en los activos improductivos y sin amortizaciones en el primer trimestre.
서밋 스테이트 뱅크는 2024년 첫 분기에 140만 달러의 순이익을 보고하고 보통주당 0.12달러의 현금 배당을 선언했습니다. 은행의 재무 하이라이트는 전 분기에 비해 순이익이 감소하였으며, 이는 은행 업계의 도전에 영향을 받은 것으로 보입니다. 운영 결과는 이자 수익과 비이자 수익이 감소하고 운영 비용이 증가한 것을 나타냅니다. 대차대조표 검토 결과 총 예금이 줄고 순대출이 증가했습니다. 주주 자본과 유형 순자산 가치도 증가했습니다. 신용 품질은 안정적이며, 첫 분기 동안 부실 자산이 감소하고 대손 상각이 없었습니다.
La Summit State Bank a annoncé un revenu net de 1,4 million de dollars pour le premier trimestre 2024 et a déclaré un dividende en espèces de 0,12 dollars par action ordinaire. Les points financiers principaux indiquent une baisse du revenu net par rapport aux trimestres précédents, impactée par les défis de l'industrie bancaire. Les résultats opérationnels montrent une diminution des revenus d'intérêts et des revenus non liés aux intérêts, ainsi qu'une augmentation des dépenses opérationnelles. L'examen du bilan révèle une baisse des dépôts totaux et une augmentation des prêts nets. Les capitaux propres des actionnaires et la valeur comptable tangible ont également augmenté. La qualité du crédit reste stable, avec une diminution des actifs non performants et aucune radiation au cours du premier trimestre.
Die Summit State Bank berichtete über ein Nettoeinkommen von 1,4 Millionen Dollar für das erste Quartal 2024 und kündigte eine Bardividende von 0,12 Dollar pro Stammaktie an. Die finanziellen Highlights der Bank zeigen einen Rückgang des Nettoeinkommens im Vergleich zu vorherigen Quartalen, beeinflusst durch Herausforderungen in der Bankenbranche. Die Betriebsergebnisse deuten auf niedrigere Zinserträge und Nichtzins-Erträge sowie gestiegene Betriebskosten hin. Die Überprüfung der Bilanz zeigt einen Rückgang der Gesamteinlagen und einen Anstieg der Netto-Darlehen. Das Eigenkapital der Aktionäre und der materielle Buchwert sind ebenfalls gestiegen. Die Kreditqualität bleibt stabil, mit einem Rückgang der notleidenden Vermögenswerte und keinen Abschreibungen im ersten Quartal.
Positive
  • The bank maintained a stable capital position with tangible equity to tangible assets of 8.96% at the end of the first quarter of 2024, exceeding regulatory requirements.

  • Shareholders' equity increased to $97,878,000 at the end of March 31, 2024, primarily due to growth in retained earnings.

  • The bank recorded net recoveries of $281,000 during the first quarter of 2024, indicating a positive trend in credit quality management.

Negative
  • Net income declined to $1.4 million for the first quarter of 2024 compared to $4.1 million in the first quarter of 2023, reflecting challenges in the banking industry.

  • Operating expenses increased to $6.4 million in the first quarter of 2024 compared to $5.8 million in the first quarter of 2023, impacting overall financial performance.

  • Total deposits decreased by 8% to $939,202,000 at the end of the first quarter of 2024, indicating a decline in customer deposits.

Insights

Summit State Bank's report on net income decline to $1.4 million and a reduced per-share earnings from $0.62 to $0.21 signals a contraction in profitability. This downward trend may influence investor sentiment negatively, as earnings per share (EPS) are a direct indicator of a company's profitability. The declared dividend of $0.12 remains a modest return for shareholders but does represent a commitment to returning value to investors, which can be a positive signal for market stability amidst declining earnings.

The banking sector is under pressure with high interest rates impacting net interest margins, loan growth and cost of funding as disclosed by Summit State Bank. With net interest margin compressing to 2.81%, investors should be aware of the increasing cost of capital and its potential long-term implications on the bank's profitability. Additionally, the notable year-over-year drop in deposits highlights a shift in customer behavior, which could be attributed to higher rates elsewhere or a general pullback in deposit activity, both of which could affect the bank's liquidity and lending capabilities.

A scrutiny of Summit State Bank's credit quality reveals a stark increase in nonperforming loans, from 1.13% to 4.45% year-over-year. This increase is a red flag, as a higher ratio of nonperforming loans could indicate potential issues in asset quality and credit risk management. While the bank cited manageable levels of asset quality, investors should consider the potential risk of further asset deterioration, especially if the economic conditions remain challenging. This is crucial, as asset performance directly ties to the bank's ability to generate income and maintain capital adequacy.

SANTA ROSA, Calif., April 30, 2024 (GLOBE NEWSWIRE) -- Summit State Bank (the “Bank”) (Nasdaq: SSBI) today reported net income for the first quarter ended March 31, 2024 of $1,395,000, or $0.21 per diluted share, compared to net income of $4,116,000, or $0.62 per diluted share for the first quarter ended March 31, 2023.

The Board of Directors declared the Bank’s eighty second consecutive quarterly cash dividend for common shareholders of $0.12 per share on April 29, 2024. It will be paid on May 23, 2024, to shareholders of record on May 16, 2024.

“First quarter earnings were impacted by current challenges facing the entire banking industry. We are implementing steps to reverse declines in net income and remain focused on continuing to improve financial performance,” said Brian Reed, President and CEO. “We continue to operate in a high interest rate environment where competition for deposits is growing and the cost of funding remains high. Additionally, quarterly loan growth has moderated, as we remain selective with the loans we are putting on the balance sheet. We are focused on protecting our net interest income while also maintaining a strong capital position as we look for opportunities to grow in our market.”

First Quarter 2024 Financial Highlights (at or for the three months ended March 31, 2024)

  • Net income was $1,395,000, or $0.21 per diluted share, compared to $4,116,000, or $0.62 per diluted share, in the first quarter of 2023 and $1,901,000, or $0.28 per diluted share, for the quarter ended December 31, 2023.
  • Reversal of credit losses on loans was $15,000, compared to a provision for credit losses on loans of $400,000 in the first quarter a year ago and a reversal of credit losses on loans of $31,000 in the preceding quarter.
  • Net interest margin was 2.81%, compared to 3.69% in the first quarter a year ago and 2.85% in the preceding quarter.
  • First quarter revenues (interest income plus noninterest income) decreased 7.1% to $15,425,000, compared to $16,609,000 in the first quarter a year ago and increased 0.6% compared to $15,333,000 in the preceding quarter.
  • Annualized return on average assets was 0.51%, compared to 1.47% in the first quarter of 2023 and 0.67% in the preceding quarter.
  • Annualized return on average equity was 5.74%, compared to 18.38% in the first quarter a year ago and 8.02% in the preceding quarter.
  • Net loans increased $10,062,000 to $917,685,000 at March 31, 2024, compared to $907,623,000 one year earlier and decreased $20,941,000 compared to $938,626,000 three months earlier.
  • Total deposits decreased 8% to $939,202,000 at March 31, 2024, compared to $1,015,652,000 at March 31, 2023, and decreased 7% when compared to the prior quarter end of $1,009,693,000.
  • The Bank’s nonperforming loans to gross loans were 4.45% and nonperforming assets to total assets were 3.85%, at March 31, 2024. This is compared to nonperforming loans to gross loans of 1.13% and nonperforming assets to total assets of 0.91% at March 31, 2023, and nonperforming loans to gross loans of 4.63% and nonperforming assets to total assets of 3.94% at December 31, 2023.
  • Book value was $14.43 per share, compared to $13.76 per share a year ago and $14.40 in the preceding quarter.
  • Declared its 82nd consecutive quarterly cash dividend, this being $0.12 per share for the three months ended March 31, 2024.

Operating Results

For the first quarter of 2024, the annualized return on average assets was 0.51% and the annualized return on average equity was 5.74%. This compared to an annualized return on average assets of 1.47% and an annualized return on average equity of 18.38%, respectively, for the first quarter of 2023.

“Our net interest margin contracted four basis points during the quarter, as the increase in loan yields was more than offset by higher funding costs. The cost of deposits in the first quarter was 2.83% as customers continue to seek higher rates,” said Reed. Summit’s net interest margin was 2.81% in the first quarter of 2024, compared to 2.85% in the preceding quarter and 3.69% in the first quarter of 2023.

Interest and dividend income decreased 1.0% to $14,477,000 in the first quarter of 2024 compared to $14,648,000 in the first quarter of 2023. The decrease in interest income is attributable to a $544,000 decrease in interest on deposits with banks and a decrease of $7,000 in interest on investment securities offset by an increase in interest on loans of $335,000 and an increase in dividends on FHLB stock of $45,000.

Noninterest income decreased in the first quarter of 2024 to $948,000 compared to $1,961,000 in the first quarter of 2023. The Bank recognized $514,000 in gains on sales of SBA and USDA guaranteed loan balances in the first quarter of 2024 compared to $1,435,000 in gains on sales of SBA guaranteed loan balances in the first quarter of 2023.

Operating expenses increased in the first quarter of 2024 to $6,400,000 compared to $5,818,000 in the first quarter of 2023. The increase is primarily due to a $184,000 increase in salaries and commissions net of deferred fees and costs, a $158,000 one-time vacation accrual expense, a $60,000 increase in information technology expense and a $58,000 increase in professional fees.

Balance Sheet Review

Net loans increased 1% to $917,685,000 at March 31, 2024, compared to $907,623,000 at March 31, 2023, and decreased 2% compared to December 31, 2023.  

Total deposits decreased 8% to $939,202,000 at March 31, 2024, compared to $1,015,652,000 at March 31, 2023, and decreased 7% when compared to the prior quarter end. At March 31, 2024, noninterest bearing demand deposit accounts decreased 23% compared to a year ago and represented 19% of total deposits; savings, NOW and money market accounts increased 35% compared to a year ago and represented 52% of total deposits, and CDs decreased 36% compared to a year ago and comprised 28% of total deposits. The decrease in deposits is a result of the Bank managing its liquidity levels and asset growth. The average cost of deposits was 2.83% in the first quarter of 2024, compared to 1.79% in the first quarter of 2023.

Shareholders’ equity was $97,878,000 at March 31, 2024, compared to $97,678,000 three months earlier and $92,665,000 a year earlier. The increase in shareholders’ equity compared to a year ago was primarily due to an increase of $4,861,000 in retained earnings. At March 31, 2024 tangible book value was $14.43 per share, compared to $14.40 three months earlier, and $13.76 at March 31, 2023.

Summit State Bank continues to maintain capital levels in excess of the requirements to be categorized as “well-capitalized” with tangible equity to tangible assets of 8.96% at March 31, 2024, compared to 8.38% at December 31, 2023, and 7.99% at March 31, 2023. The increase compared to March 2023 was due to the Bank’s retention of capital to build liquidity, which is exceeding asset growth.

Credit Quality

“We are closely monitoring asset quality, and nonperforming loans declined from the immediate prior quarter while there were no charge offs during the first quarter. Despite the challenging operating outlook and the ‘higher for longer’ interest rate environment that’s impacting the entire banking industry, our asset quality remains within manageable levels, with our commercial, owner occupied commercial real estate, and non-owner occupied commercial real estate portfolios all performing well.”

Nonperforming assets were $41,548,000, or 3.85% of total assets, at March 31, 2024, and consisted of seventeen loans; two loans totaling $6,709,000 are real estate secured commercial loans and fifteen loans totaling $34,839,000 are commercial and agriculture secured loans. This compared to $44,206,000 in nonperforming assets at December 31, 2023, and $10,411,000 in nonperforming assets at March 31, 2023.

Net recoveries were $281,000 during the three months ended March 31, 2024, compared to $40,000 during the three months ended December 31, 2023 and $13,000 during the three months ended March 31, 2023.

For the first quarter of 2024, consistent with factors within the allowance for credit losses, the Bank recorded a $15,000 reversal for credit loss expense for loans, a $65,000 reversal for credit losses for unfunded loan commitments and a $5,000 reversal for credit losses on investments. This compared to a $400,000 provision for credit loss expense on loans and a $33,000 reversal for credit losses on unfunded loan commitments in the first quarter of 2023. The allowance for credit losses to total loans was 1.66% on March 31, 2024, and 1.65% on March 31, 2023.

The real estate non-owner occupied portfolio, which accounts for a majority of the Bank’s loan portfolio, had an average loan-to-value of 49% and a debt service coverage ratio of 1.96 as of March 31, 2024.

About Summit State Bank

Summit State Bank, a local community bank, has total assets of $1.1 billion and total equity of $98 million at March 31, 2024. Headquartered in Sonoma County, the Bank specializes in providing exceptional customer service and customized financial solutions to aid in the success of local small businesses and nonprofits throughout Sonoma County.

Summit State Bank is committed to embracing the diverse backgrounds, cultures and talents of its employees to create high performance and support the evolving needs of its customers and community it serves. At the center of diversity is inclusion, collaboration, and a shared vision for delivering superior service to customers and results for shareholders. Presently, 63% of management are women and minorities with 60% represented on the Executive Management Team. Through the engagement of its team, Summit State Bank has received many esteemed awards including: Best Business Bank, Best Places to Work in the North Bay, Top Community Bank Loan Producer, Raymond James Bankers Cup, Super Premier Performing Bank, and Piper Sandler SM-ALL Star. Summit State Bank’s stock is traded on the Nasdaq Global Market under the symbol SSBI. Further information can be found at www.summitstatebank.com.

Forward-looking Statements

The financial results in this release are preliminary. Final financial results and other disclosures will be reported in Summit State Bank’s quarterly report on Form 10-Q for the period ended March 31, 2024 and may differ materially from the results and disclosures in this release due to, among other things, the completion of final review procedures, the occurrence of subsequent events or the discovery of additional information.

Except for historical information contained herein, the statements contained in this news release, are forward-looking statements within the meaning of the “safe harbor” provisions of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. This release may contain forward-looking statements that are subject to risks and uncertainties. Such risks and uncertainties may include but are not necessarily limited to fluctuations in interest rates, inflation, government regulations and general economic conditions, and competition within the business areas in which the Bank will be conducting its operations, including the real estate market in California and other factors beyond the Bank’s control. Such risks and uncertainties could cause results for subsequent interim periods or for the entire year to differ materially from those indicated. You should not place undue reliance on the forward-looking statements, which reflect management’s view only as of the date hereof. The Bank undertakes no obligation to publicly revise these forward-looking statements to reflect subsequent events or circumstances.

          
SUMMIT STATE BANK
STATEMENTS OF INCOME
(In thousands except earnings per share data)
          
          
     Three Months Ended
     March 31, 2024 December 31, 2023 March 31, 2023
     (Unaudited) (Unaudited) (Unaudited)
          
Interest and dividend income:     
 Interest and fees on loans$13,274  $13,409  $12,939 
 Interest on deposits with banks 362   792   906 
 Interest on investment securities 712   712   719 
 Dividends on FHLB stock 129   123   84 
   Total interest and dividend income 14,477   15,036   14,648 
Interest expense:     
 Deposits 6,786   7,113   4,400 
 Federal Home Loan Bank advances 190   -   119 
 Junior subordinated debt 94   94   94 
   Total interest expense 7,070   7,207   4,613 
   Net interest income before provision for credit losses 7,407   7,829   10,035 
(Reversal of) provision for credit losses on loans (15)  (31)  400 
(Reversal of) provision for credit losses on unfunded loan commitments (65)  (65)  (33)
(Reversal of) provision for credit losses on investments (5)  31   - 
   Net interest income after provision for (reversal of) credit     
   losses on loans, unfunded loan commitments and investments 7,492   7,894   9,668 
Non-interest income:     
 Service charges on deposit accounts 233   219   208 
 Rental income 60   54   39 
 Net gain on loan sales 514   -   1,435 
 Other income 141   24   279 
   Total non-interest income 948   297   1,961 
Non-interest expense:     
 Salaries and employee benefits 4,182   3,044   3,793 
 Occupancy and equipment 485   386   452 
 Other expenses 1,733   2,053   1,573 
   Total non-interest expense 6,400   5,483   5,818 
   Income before provision for income taxes 2,040   2,708   5,811 
Provision for income taxes 645   807   1,695 
   Net income$1,395  $1,901  $4,116 
          
Basic earnings per common share$0.21  $0.28  $0.62 
Diluted earnings per common share$0.21  $0.28  $0.62 
          
Basic weighted average shares of common stock outstanding 6,698   6,698   6,688 
Diluted weighted average shares of common stock outstanding 6,698   6,698   6,688 
          


SUMMIT STATE BANK
BALANCE SHEETS
(In thousands except share data)
         
         
    March 31, 2024 December 31, 2023March 31, 2023
    (Unaudited) (Unaudited) (Unaudited)
         
ASSETS     
         
Cash and due from banks$37,712  $57,789  $116,569 
   Total cash and cash equivalents 37,712   57,789   116,569 
         
Investment securities:     
 Available-for-sale, less allowance for credit losses of $53, $58 and $0     
  (at fair value; amortized cost of $96,973, $97,034 and $97,951) 83,832   84,546   84,841 
         
Loans, less allowance for credit losses of $15,487, $15,221 and $15,252 917,685   938,626   907,623 
Bank premises and equipment, net 5,287   5,316   5,507 
Investment in Federal Home Loan Bank stock (FHLB), at cost 5,541   5,541   4,737 
Goodwill  4,119   4,119   4,119 
Affordable housing tax credit investments 8,165   8,405   8,773 
Accrued interest receivable and other assets 17,850   18,166   14,854 
         
   Total assets$1,080,191  $1,122,508  $1,147,023 
         
LIABILITIES AND     
SHAREHOLDERS' EQUITY     
         
Deposits:      
 Demand - non interest-bearing$179,328  $201,909  $232,825 
 Demand - interest-bearing 222,313   244,748   153,214 
 Savings 48,214   54,352   63,895 
 Money market 222,153   212,278   148,433 
 Time deposits that meet or exceed the FDIC insurance limit 65,763   63,159   84,800 
 Other time deposits 201,431   233,247   332,485 
   Total deposits 939,202   1,009,693   1,015,652 
         
Federal Home Loan Bank advances 28,600   -   23,000 
Junior subordinated debt 5,924   5,920   5,909 
Affordable housing commitment 4,094   4,094   4,435 
Accrued interest payable and other liabilities 4,493   5,123   5,362 
         
   Total liabilities 982,313   1,024,830   1,054,358 
         
Shareholders' equity     
 Preferred stock, no par value; 20,000,000 shares authorized;     
  no shares issued and outstanding -   -   - 
 Common stock, no par value; shares authorized - 30,000,000 shares;     
  issued and outstanding 6,784,099, 6,784,099 and 6,732,699 37,552   37,471   37,217 
 Retained earnings 69,539   68,957   64,678 
 Accumulated other comprehensive loss, net (9,213)  (8,750)  (9,230)
         
   Total shareholders' equity 97,878   97,678   92,665 
         
   Total liabilities and shareholders' equity$1,080,191  $1,122,508  $1,147,023 
         


Financial Summary
(Dollars in thousands except per share data)
       
  As of and for the
  Three Months Ended
  March 31, 2024 December 31, 2023 March 31, 2023
  (Unaudited) (Unaudited) (Unaudited)
Statement of Income Data:      
Net interest income $7,407  $7,829  $10,035 
(Reversal of) provision for credit losses on loans  (15)  (31)  400 
(Reversal of) provision for credit losses on unfunded loan commitments (65)  (65)  (33)
(Reversal of) provision for credit losses on investments (5)  31   - 
Non-interest income  948   297   1,961 
Non-interest expense  6,400   5,483   5,818 
Provision for income taxes  645   807   1,695 
Net income $1,395  $1,901  $4,116 
       
Selected per Common Share Data:      
Basic earnings per common share $0.21  $0.28  $0.62 
Diluted earnings per common share $0.21  $0.28  $0.62 
Dividend per share $0.12  $0.12  $0.12 
Book value per common share (1) $14.43  $14.40  $13.76 
       
Selected Balance Sheet Data:      
Assets $1,080,191  $1,122,508  $1,147,023 
Loans, net  917,685   938,626   907,623 
Deposits  939,202   1,009,693   1,015,652 
Average assets  1,087,960   1,123,057   1,135,912 
Average earning assets  1,057,338   1,089,808   1,104,134 
Average shareholders' equity  97,471   94,096   90,814 
Nonperforming loans  41,548   44,206   10,411 
Net loans recovered  281   40   13 
Total nonperforming assets  41,548   44,206   10,411 
       
Selected Ratios:      
Return on average assets (2)  0.51%  0.67%  1.47%
Return on average common shareholders' equity (2)  5.74%  8.02%  18.38%
Efficiency ratio (3)  76.60%  67.47%  48.50%
Net interest margin (2)  2.81%  2.85%  3.69%
Common equity tier 1 capital ratio  10.40%  9.90%  9.58%
Tier 1 capital ratio  10.40%  9.90%  9.58%
Total capital ratio  12.27%  11.75%  11.44%
Tier 1 leverage ratio  9.21%  8.85%  8.30%
Common dividend payout ratio (4)  58.27%  42.63%  20.04%
Average shareholders' equity to average assets  8.96%  8.38%  7.99%
Nonperforming loans to total loans  4.45%  4.63%  1.13%
Nonperforming assets to total assets  3.85%  3.94%  0.91%
Allowance for credit losses to total loans  1.66%  1.60%  1.65%
Allowance for credit losses to nonperforming loans  37.27%  34.43%  146.49%
   
(1) Total shareholders' equity divided by total common shares outstanding.  
(2) Annualized.  
(3) Non-interest expenses to net interest and non-interest income, net of securities gains.    
(4) Common dividends divided by net income available for common shareholders.  
   

Contact: Brian Reed, President and CEO, Summit State Bank (707) 568-4908 


FAQ

What was Summit State Bank's net income for the first quarter of 2024?

Summit State Bank reported a net income of $1.4 million for the first quarter of 2024.

What is the quarterly cash dividend declared by Summit State Bank?

Summit State Bank declared a quarterly cash dividend of $0.12 per common share for the first quarter of 2024.

What was the annualized return on average assets for Summit State Bank in the first quarter of 2024?

The annualized return on average assets for Summit State Bank was 0.51% in the first quarter of 2024.

How did Summit State Bank's total deposits change in the first quarter of 2024?

Total deposits for Summit State Bank decreased by 8% to $939,202,000 at the end of the first quarter of 2024.

What was the net interest margin for Summit State Bank in the first quarter of 2024?

Summit State Bank's net interest margin was 2.81% in the first quarter of 2024.

Summit State Bank

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