BAS Case Study - March 2023
FDIC Certificate # OCC Charter # 0 Public Report Analysis Ratios
SUNNY STATE BANK Analysis of Credit Allowance and Loan Mix--Page 7
12/31/2018
12/31/2017
12/31/2016
12/31/2015
12/31/2014
BANK 0.25 6.72
PG 10 0.13 42.32
PCT
BANK 0.24 6.59
PG 10 0.10 26.74
PCT
BANK 0.15 4.12
PG 10 0.12 56.56
PCT
BANK 0.06 41.56
PG 10 0.09 46.31
PCT
BANK 0.15 0.00
PG 10 0.08 32.47
PCT
Loss Provision to Average Assets Recoveries to Prior Credit Loss Net Loss to Average Total LN&LS Gross Loss to Average Total LN&LS Recoveries to Average Total LN&LS LN&LS Allowance to LN&LS Not HFS LN&LS Allowance to Total LN&LS LN&LS Allowance to Net Losses (X LN&LS Allowance to Nonaccrual LN&LS (X Earnings Coverage of Net Losses (X Net Losses by Type of LN&LS Real Estate Loans Construction & Land Development
79 25 74 75 66 19 19 30 50
85 33 86 85 33
68 20 59 50 31 13 13 42 27 58 92 96 93 97 64 96 65 91 93 13 90 88 82 58 80 64 77 26 8
51 64 73 71 64
74 11 67 54 12 19 20 32 41 82 98 94 97 96 47 92 50 89 95 91 88 95 95 60 66 50 80 81 29
0.30 0.34 0.03 0.84 0.84 2.77 1.58
0.20 0.22 0.04
0.50 0.51 0.01 0.70 0.70 1.38 1.24 0.07 0.00 0.00 0.00 0.00 0.09 0.00 0.09 0.00 0.00 0.00 0.00 0.00 N/A 0.00 3.47 0.61 2.27 0.16 N/A N/A N/A N/A N/A 0.21
0.13 0.20 0.08
0.19 0.20 0.02 0.76 0.76 4.19 0.84
0.17 0.25 0.07
0.32 0.40 0.08 0.72 0.71 2.30 0.79 0.30 0.00 0.00 0.00 0.00 0.10 0.00 0.09 1.05 0.00 2.03 0.00 3.59 N/A 0.00 0.47 0.43 0.23 0.07 0.00 N/A N/A N/A N/A N/A 1.16
0.21 0.28 0.07
0.18 0.18 0.00 0.97 0.97 5.25 1.43 0.20 4.75 0.00 9.55 0.00 0.00 0.00 0.00 0.00 0.00 0.37 0.00 0.72 N/A 0.00 0.00 0.44 0.47 0.35 0.00 N/A N/A N/A N/A N/A 2.79
0.16 0.24 0.07
1.35 1.34 28.85 4.41
1.36 1.36 24.24 2.80
8 8 5
1.38 1.38 11.46 2.76
1.43 1.43 33.38 4.37
8 8
1.47 1.47 16.50 3.64
22 30
44
1.43
41.44
19
29.61
9
1.94
12.67
36.72
22
15.77
-0.03 -1.22 0.00 -4.95 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 N/A 0.00 0.00 2.76 2.00 0.55 0.00 N/A N/A N/A N/A N/A
0.01 -1.22 0.00 -0.04 0.00 0.02 -0.01 0.02 -0.25 0.00 0.00 0.08 -0.04 0.00 0.10 0.53 0.41 3.09 0.14 0.46 0.00 0.00 0.00 0.00 0.00
11
0.02 -0.13 0.00 -0.22 0.02 0.03 -0.14 0.05 -0.03 -0.39 0.01 0.03 -0.09 0.00 0.04 0.30 0.32 3.80 0.16 0.35 0.00 0.00 0.00 0.00 0.00
84 97 98 96 96 76 98 77 94 98 88 86 95 89 91 73 75 64
0.01 0.00 0.00 0.00 0.00 0.01 0.33 0.00 0.00 0.00 -0.03 0.00 -0.04 N/A 0.00 1.26 0.27 2.35 0.00 0.00 N/A N/A N/A N/A N/A
0.05 -0.05 -0.23 -0.07 0.01 0.07 0.00 0.06 -0.02 0.00 0.04 0.04 0.02 0.00 0.01 0.52 0.28 2.28 0.19 0.58 0.00 0.00 0.00 0.00 0.00
0.10 0.00 -0.11 0.02 0.00 0.07 -0.01 0.07 -0.01 0.29 0.08 0.07 0.01 0.00 -0.02 0.53 0.27 3.82 0.15 0.07 0.00 0.00 0.00 0.00 0.00
87 92 97 91 93 72 94 74 95 97 95 83 98 95 72 76 46 71 87
0.09 -0.06 0.00 -0.10 0.06 0.13 0.00 0.13 0.03 -0.03 0.04 0.01 0.04 0.00 -0.03 0.24 0.35 3.78 0.13 0.17 0.00 0.00 0.00 0.00 0.00
5
1-4 Family Construction Other Construction & Land Secured by Farmland 1-4 Family Residential Loans Home Equity Loans 1-4 Family 1st Lien Loans 1-4 Family Jr Lien Loans
98
2
94 74 97 74 98 97 91 91 98 87 62 91 60 86 80
Multifamily Loans
Non-Farm Non-Residential Mtg Owner Occupied Nonfarm Nonresidential Other Nonfarm Nonresidential
RE Loans in Foreign Offices
N/A
N/A
N/A
N/A
N/A
Agricultural Loans
Commercial and Industrial Loans
Loans to Individuals Credit Card Plans
Auto Loans
Non-Depository, Other & Muni Loans Financial Institution Loans Loans to Foreign Governments
-24.59
1
N/A N/A N/A N/A N/A
N/A N/A N/A N/A N/A
N/A N/A N/A N/A N/A
N/A N/A N/A N/A N/A
N/A N/A N/A N/A N/A
Lease Financing Leases to Individuals All Other Leases
Supplemental: Loans to Finance Comml Real Estate Change: Loan Allowance ($000) Beginning Balance
N/A
0.00
N/A
N/A
0.00
N/A
N/A
0.00
N/A
N/A
0.00
N/A
N/A
0.00
N/A
320 156
352 238
317
404 170
359
Gross Credit Losses
91
77
Memo: Loans HFS Write-down
0
0 6
0 7
0
0 0
Recoveries
16
32
Net Credit Losses
140
232
84
138
77
Provision: Loan & Lease Losses
208
200
119
52
122
Other Adjustments LN&LS Allowance
0
0
0
0
0
388
320
352
317
404
Average Total Loans & Leases
45,934
46,572
45,174
42,506
42,388
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