Summit Bank Group, Inc. · OTC:SBKO
Summit Bank — Investor Presentation (February 2006)
15 slides from Summit Bank's investor presentation, Feb 6, 2006
Slide 1: Summit Bank Corporation
SUMMIT BANK CORPORATION Atlanta, Georgia SBGA
Slide 2: Executive Management Team
Executive Management Team • Pin Pin Chau CEO - Summit Bank Corporation CEO/President - The Summit National Bank Joined Summit in 1993 • David Yu President – Summit Bank Corporation Chairman – The Summit National Bank Organized Summit in 1986 • Thomas Flournoy Executive Vice President/CFO – Summit Ba
Slide 3: Forward-Looking Information
Forward-Looking Information Various matters discussed in this presentation may constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act. Forward-looking statements may involve known and unknown risks, uncertainties, and other factors which may cause
Slide 4: Summit Locations
Atlanta, GA Shanghai, China San Jose , Fremont, CA Legend branch Rep Office LPO San Diego, CA Houston, Texas Proposed branch Summit Locations
Slide 5: Summit Demographics
Data based on sampling as of August 31, 2004 Legend Loans Summit Demographics Loan and Deposits by Ethnicity
Slide 6: Deposit Market Share - Georgia
Rank Institution Deposits ($000) Mkt. Share % Branches Wachovia Corp. (NC) 1,652.008 30.66 SunTrust Banks, Inc (GA) 1,011.538 18.77 Bank of America Corp. (NC) 777,877 14.44 FLAG Financial Corp. (GA) 512,222 9.51 Summit Bank Corp. (GA) 322,640 5.99 Community Financial Holding (GA) 229,110 4.25 Fideli
Slide 7: Deposit Market Share - California
Rank Institution Deposits ($000) Mkt. Share % Branches Bank of America Corp. (NC) 645,512 37.41 Well Fargo & Co. (CA) 394,055 22.83 Citigroup, Inc. (NY) 149,476 8.66 Golden West Financial (CA) 124,369 7.21 Fremont Bancorp, (CA) 106,922 6.20 Summit Bank Corp. (GA) 86,184 4.99 Downey Financial Corp (C
Slide 8: Deposit Composition
Type $000 % Interest-free 108,601 24.78 NOW 26,308 6.00 Money Market 57,723 13.17 Savings 10,543 2.41 CDs / IRAs 235,057 53.64 ____ _____ Total 438,232 100.00 Deposits by State Deposits by Type Deposit Composition
Slide 9: Loan Composition
By Loan Type California Georgia By State Data as of 12/31/05 Loan Composition
Slide 10: Asset Quality
Asset Quality Data as of December 31 of each year presented
Slide 11: International Fee & Interest Income
$000’s Data as of December 31 of each year presented International Fee & Interest Income
Slide 12: Business Strategy
Business Strategy • One focus—entrepreneurial businesses • Two perspectives—bridging the immigrant and mainstream perspectives • Three segments—ethnic business, international business, and small business lending. • Four constituencies—customers, shareholders, employees, and communities.
Slide 13: Asset and Deposit Growth
$ millions Year Asset and Deposit Growth
Slide 14: Financial Performance
Net Interest Margin EPS & Dividend Data as of December 31 of each year presented Financial Performance
Slide 15: Acquisition of Concord Bank, N.A.
Acquisition of Concord Bank, N.A. Concord Financials Total Assets $ 111,965 Deposits 98,684 Total Loans 95,084 Loans/Deposits 96.35 % Equity/Assets 10.51 % ROAA 1.12 % ROAE 1.12 % NIM 4.76 % NPAs /Assets 0.00 % ALLL 1.16 % Leverage Ratio 10.24 % Data as of or for nine months ended 9/30/05 • Announce