BAS Case Study - March 2023
FDIC Certificate # OCC Charter # 0 Public Report Capital Ratios
SUNNY STATE BANK Capital Analysis--Page 11
12/31/2018
12/31/2017
12/31/2016
12/31/2015
12/31/2014
BANK
PG 10 PCT
BANK
PG 10 PCT
BANK
PG 10 PCT
BANK
PG 10 PCT
BANK
PG 10 PCT
Percent of Bank Equity: Net Loans & Leases (x) Subord Notes & Debentures Com RE & Related Ventures Percent of Average Bank Equity: Net Income
7.36 0.00 79.23 0.50 0.00 0.50 0.00 7.58 -4.34 0.17 0.69 0.00 N/A N/A 0.69
5.83 0.00
80 98 27 16 20 19
6.98 0.00 75.85 -3.99 0.81 -4.80 N/A 7.57 -2.38 -4.69 0.83 0.00 0.00 0.00 0.83
5.86 0.00
74 98 20 13 30 14
6.86 0.00 83.31 1.65 2.32 -0.67
5.86 0.00
69 98 26 17 51 15
6.18 0.00 84.83
5.76 0.00
58 98 27 34 53 32 68 21 16 50 91 81 97 84 74
5.80 0.00 62.40
5.90 0.00
47 99 16 46 57 46 58 23 84 94 90 80 97 83 72
151.74
160.92
160.03
168.55
175.80
6.70 3.11 2.94
5.32 3.13 1.65
5.87 2.70 2.63
4.20 2.53 1.67
5.74 2.57 2.64
5.75 2.67 3.08
6.08 2.46 3.07
Dividends
Retained Earnings
Other Capital Ratios: Dividends to Net Operating Income Bank Eq Cap + Min Int to Assets
42.84 10.76
16
48.05 10.75
N/A
140.68
42.65 10.57 1.00 -0.82
93
60.27 8.79
37.53 10.60
46.37 8.69 15.04 20.02
35.39 10.37
8
4
7.93
9
Growth Rates: Total Equity Capital
2.84 0.46 0.05 0.95 0.00 0.00 1.51
14 48 91 75
2.90 0.55 0.02 0.77 0.00 0.13 1.25
12 16 94 78 98 84 72
-6.22 -10.16
14
0.21 1.20 0.90 0.00 0.00 0.00 0.90
3.26 1.86 0.07 0.78 0.08 0.11 1.43
7.26 3.20 0.10 0.69 0.01 0.08 1.36
Equity Growth Less Asst Growth Intang Assets % Bank Equity Mortgage Servicing Rights Purch Credit Card Relations All Other Intangibles Goodwill
8
0.93 0.00 0.00 0.00 0.93
0.02 0.68 0.00 0.07 1.24
93 79 97 85 74
1.01 0.00 0.00 0.00 1.01
N/A N/A
Total Intangibles
69
Tier One Leverage Capital
8.1692
10.71
14
7.6913
10.54
4
8.4359
10.38
17
8.8800
10.23
27
8.5500
10.00
26
Standardized Capital Ratios (all banks) Com Equity Tier 1 Cap Ratio
13.6183 13.6183 14.4207
17.05 17.07 18.13
27 25 24
14.5210 14.5210 15.2295
16.44 16.52 17.59
38 37 30
14.5791 14.5791 15.3238
16.25 16.33 17.40
37 36 32
15.7800 15.7800 16.4900
16.49 16.53 17.63
51 51 47
N/A
0.00 15.93 17.01
N/A
Tier One Capital Ratio Total Capital Ratio
16.5700 17.5200
64 58
Adv App Cap Ratios (exit parallel run) Com Equity Tier 1 Cap Ratio
N/A N/A N/A
0.00 0.00 0.00
N/A N/A N/A
N/A N/A N/A
0.00 0.00 0.00
N/A N/A N/A
N/A N/A N/A
0.00 0.00 0.00
N/A N/A N/A
N/A N/A N/A
0.00 0.00 0.00
N/A N/A N/A
N/A N/A N/A
0.00 0.00 0.00
N/A N/A N/A
Tier 1 Capital Ratio Total Capital Ratio
End of Period Capital ($000) Perpetual Preferred
0
0
0
0
0
+ Common Stock
92
92
92
92
92
+ Surplus
2,465 4,355 -678
2,465 4,324 -364
2,465 4,588 -469
2,465 4,636
2,465 4,519
+ Retained Earnings + Accum Other Comp Income + Other Equity Capital Comp Total Bank Equity Capital Minority Interest Cons Subs Total Bank Capital & Min Int Changes in Bank Equity ($000) Balance at Beginning of Period + Sales or Purchase of Capital + Merger & Absorptions + Restate due to Acctg Error&Chg + Net Income + Other Comprehensive Income Balance at End of Period Intangible Assets Mortgage Servicing Rights + Purch Credit Card Relations. Subordinated Notes & Debentures + Trans with Parent - Dividends
-74
28
0
0
0
0
0
6,234
6,517
6,676
7,119
7,104
0
0
0
0
0
6,234
6,517
6,676
7,119
7,104
0
0
0
0
0
6,517
6,676 -271
7,119
7,104
6,175
31
118
297
386
0 0 0 0 0
0 0 2 0
0 0 0 0
0 0 0 0
0 0 0 0
55
166 -395 6,676
179 -103 7,119
179 722
-314 6,234
165
6,517
7,104
43
54
62
64
72
N/A N/A
0 0 0
0 0 0
0 0 0
0 0 0
+ Other Intangibles
+ Goodwill
0
Total Intangibles
43
54
62
64
72
Total Assets for Leverage Ratio: Average Total Consolidated Assets Less: Ded from CET1 Cap & add T1C Less: Other Deductions Total Assets for Leverage Ratio
80,935
85,540
81,951
80,368
82,696
327
262
253
58
N/A N/A
0
0
0
0
80,608
85,278
81,698
80,310
82,689
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