文章核心观点 2024年第四季度及全年，Summit State Bank受信贷损失拨备和商誉减值等因素影响出现净亏损，但核心运营结果有所改善，资本状况良好，正积极解决问题贷款，对2025年前景持乐观态度 [1][2][3][4] 各部分总结 财务业绩 - 2024年第四季度净亏损660.5万美元，摊薄后每股亏损0.98美元，2023年同期净利润190.1万美元，摊薄后每股盈利0.28美元 [1] - 2024年全年净亏损365.6万美元，摊薄后每股亏损0.54美元，2023年全年净利润1082.2万美元，摊薄后每股盈利1.62美元 [2] - 2024年第四季度税前、拨备前、扣除商誉前净收入299.4万美元，高于2024年前三季度及2023年第四季度 [3][5] 运营结果 - 2024年第四季度平均资产年化损失率2.39%，平均权益年化损失率25.94%，若剔除相关影响，平均资产税前、拨备前回报率1.08%，平均权益税前、拨备前回报率11.76% [5][7] - 2024年全年平均资产损失率0.37%，平均权益损失率3.69%，2023年分别为0.95%和11.56% [8] - 2024年第四季度净息差2.88%，高于2024年二、三季度及2023年第四季度，主要因存款成本下降 [9] - 2024年第四季度利息和股息收入1493.5万美元，较2023年第四季度下降1.0% [9] - 2024年第四季度非利息收入137.3万美元，较2023年第四季度增加 [10] - 2024年第四季度运营费用1020万美元，较2023年第四季度增加，主要因商誉减值和外部支票欺诈损失 [11] 资产负债表 - 2024年净贷款减少4%至9.04999亿美元，总存款减少5%至9.62562亿美元 [12][13][14] - 2024年末股东权益9226.1万美元，账面价值每股13.61美元 [17] - 2024年末一级杠杆率8.92%，高于2023年末的8.85%，且高于监管要求的5% [5][18] 信贷质量 - 2024年第四季度冲销贷款834.3万美元，计提信贷损失拨备664.6万美元 [19] - 2024年末不良资产3288.4万美元，占总资产3.08%，低于2024年9月30日及2023年末 [19] - 2024年末信贷损失准备金与总贷款比率1.50%，低于2023年末的1.60% [22] 未来展望 - 董事会决定2025年第一季度继续暂停现金股息，以积累资本、增加流动性 [4] - 预计2025年上半年不良贷款将减少1818.7万美元 [4] 公司概况 - 成立于1982年，总部位于索诺玛县，是一家屡获殊荣的社区银行，服务北湾地区 [23] - 截至2024年12月31日，总资产11亿美元，总股本9200万美元 [24]

SANTA ROSA, Calif., Oct. 30, 2024 (GLOBE NEWSWIRE) -- Summit State Bank (the "Bank") (Nasdaq: SSBI) today reported net income for the third quarter ended September 30, 2024 of $626,000, or $0.09 per diluted share, compared to net income of $1,821,000, or $0.27 per diluted share for the third quarter ended September 30, 2023. Net operating income before credit loss provision and income tax was $2,122,000 for the third quarter ended September 30, 2024 compared to $2,520,000 for the third quarter ended 2023. I ...

SANTA ROSA, Calif., Sept. 12, 2024 (GLOBE NEWSWIRE) -- Summit State Bank's (the "Bank") (Nasdaq: SSBI) Board of Directors declared the Bank's eighty third consecutive quarterly cash dividend to common shareholders for $0.04 per share on September 11, 2024. The dividend will be paid on October 10, 2024, to shareholders of record on October 3, 2024. "The current rate environment, and its impact on earnings, led to our decision to reduce the quarterly cash dividend. The dividend reduction reflects the Bank's d ...

SANTA ROSA, Calif., July 31, 2024 (GLOBE NEWSWIRE) -- Summit State Bank (the "Bank") (Nasdaq: SSBI) today reported net income for the second quarter ended June 30, 2024 of $928,000, or $0.14 per diluted share, compared to net income of $2,985,000, or $0.45 per diluted share for the second quarter ended June 30, 2023. "Our second quarter earnings continue to be directly impacted by the high interest rate environment and its impact on funding costs, a challenge that is affecting the entire banking industry," ...

SANTA ROSA, Calif., July 31, 2024 (GLOBE NEWSWIRE) -- Summit State Bank (the "Bank") (Nasdaq: SSBI) today reported net income for the second quarter ended June 30, 2024 of $928,000, or $0.14 per diluted share, compared to net income of $2,985,000, or $0.45 per diluted share for the second quarter ended June 30, 2023. "Our second quarter earnings continue to be directly impacted by the high interest rate environment and its impact on funding costs, a challenge that is affecting the entire banking industry," ...