BAS Case Study - March 2023
Sunny State Bank
ASSET SIZE & GROWTH
Asset Size - Bank vs. StateMedian
Asset Growth
$100M
Quarter
2018Q4
Bank
$178,733,500 State Median
$80M
$100M $120M $140M $160M $180M
$60M
$40M
$82,223,000
$20M $40M $60M $80M
$20M
2013Q4
2014Q1
2014Q2
2014Q3
2014Q4
2015Q1
2015Q2
2015Q3
2015Q4
2016Q1
2016Q2
2016Q3
2016Q4
2017Q1
2017Q2
2017Q3
2017Q4
2018Q1
2018Q2
2018Q3
2018Q4
Asset Growth Rate
2.0%
1.9%
2.0%
1.4%
1.4%
1.3%
0.8%
0.8%
1.0%
0.3%
0.5%
(0.1%)
0.5%
0.0%
(0.5%)
(0.0%)
(0.6%)
(0.5%)
Metrics
(1.0%)
(1.2%)
Bank State All Banks
(1.8%)
(2.0%)
(2.4%)
(3.0%)
(2.9%)
(3.0%)
(3.4%)
(4.0%)
2013Q4
2014Q1
2014Q2
2014Q3
2014Q4
2015Q1
2015Q2
2015Q3
2015Q4
2016Q1
2016Q2
2016Q3
2016Q4
2017Q1
2017Q2
2017Q3
2017Q4
2018Q1
2018Q2
2018Q3
2018Q4
Asset Size Qtr
The risk management practices suggested in regulatory guidance are often based on the size and risk profile of a bank, making it important to be aware of the relative size of a bank. Something to keep in mind is that it can be difficult to achieve asset growth without taking on risk. E.g. loosening loan underwriting standards to grow loan volume, funding asset growth with wholesale sources, etc.
2018Q4
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