Summit State Bank

Summit State Bank is headquartered in Santa Rosa and is the 102^nd largest bank in the state of California. It is also the 1,637^th largest bank in the nation. It was established in 1982 and as of March of 2012, it had grown to 54 employees at 5 locations. Summit State Bank has a 4-star health rating.

Summit State Bank Routing Number: 321181307

Data for Q1 2012

Institution Statistics Summit State Bank FDIC Certificate # 32203 BankRate Report View Year Established 1982 Employees 54 Primary Regulator FDIC Assets and Liabilities Assets $406.83 million Loans $267.24 million Deposits $324.60 million Equity Capital $60.38 million Loan Loss Allowance $6.84 million Unbacked Noncurrent Loans $9.07 million Real Estate Owned $5.13 million Historic Data - March 2011 Assets $374.12 million Equity Capital $55.31 million Loan Loss Allowance $6.72 million Unbacked Noncurrent Loans $13.82 million Real Estate Owned $467,000 Profit Margin - Quarterly Net Interest Margin 4.31% Return on Assets 0.62% Return on Equity 4.04% Interest Income $4.64 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Summit State Bank had $14.19 million in non-current loans and owned real-estate with $67.21 million in equity and loan loss allowances on hand to cover it. This gives Summit State Bank a Texas Ratio of 21.11% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Summit State Bank held steady from 22.95% as of March 31, 2011 to 21.11% as of March 31, 2012, resulting in a positive change of 8.01%.This indicates that the balance sheet and financial strength for Summit State Bank has held steady in recent periods. Deposit Growth In the past year, Summit State Bank has increased its total deposits by $24.49 million, resulting in 8.16% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Summit State Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Summit State Bank has $406.83 million in assets with $67.21 million in equity, resulting in a capitalization level of 16.52%, which is excellent.

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