Summit Bancshares Inc
Summit Bancshares, Inc., through its subsidiary, Summit Bank, provides commercial credit and other banking services in California. It offers checking and savings accounts, and certificates of deposit. The company also provides commercial real estate, land development and construction, and commercial and consumer loans, as well as letters of credit. The company offers commercial credits and other … Read more
Summit Bancshares Inc - Asset Resilience Ratio
Summit Bancshares Inc (SMAL) has an Asset Resilience Ratio of 7.91% as of September 2003. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (1999–2022)
This chart shows how Summit Bancshares Inc's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Summit Bancshares Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $12.04 Million | 7.91% |
| Total Liquid Assets | $12.04 Million | 7.91% |
Asset Resilience Insights
- Limited Liquidity: Summit Bancshares Inc maintains only 7.91% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Summit Bancshares Inc Industry Peers by Asset Resilience Ratio
Compare Summit Bancshares Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
|
PT Bank Sinarmas Tbk
F:08S |
Banks - Regional | 3.70% |
Annual Asset Resilience Ratio for Summit Bancshares Inc (1999–2022)
The table below shows the annual Asset Resilience Ratio data for Summit Bancshares Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2022-12-31 | -24.97% | $-90.24 Million | $361.33 Million | -10.66pp |
| 2021-12-31 | -14.32% | $-52.75 Million | $368.47 Million | +2.57pp |
| 2020-12-31 | -16.89% | $-51.82 Million | $306.86 Million | +8.40pp |
| 2019-12-31 | -25.29% | $-65.24 Million | $257.99 Million | -25.29pp |
| 2003-12-31 | 0.00% | $-22.00 | $158.81 Million | 0.00pp |
| 2002-12-31 | 0.00% | $381.00 | $147.24 Million | -13.59pp |
| 2001-12-31 | 13.59% | $20.07 Million | $147.65 Million | -2.42pp |
| 1999-12-31 | 16.01% | $21.76 Million | $135.90 Million | -- |