BAS Case Study - March 2023
Sunny State Bank
LOAN GROWTH
Loan Volume by Category
5M 10M 15M 20M 25M 30M 35M 40M 45M 50M
Metrics
1-4 Family Agricultural Commercial Consumer CRE Other
2013Q4
2014Q1
2014Q2
2014Q3
2014Q4
2015Q1
2015Q2
2015Q3
2015Q4
2016Q1
2016Q2
2016Q3
2016Q4
2017Q1
2017Q2
2017Q3
2017Q4
2018Q1
2018Q2
2018Q3
2018Q4
Loan Growth Rate
1.0% 2.0% 3.0% 4.0% 5.0%
4.2%
3.5%
1.8%
1.9%
1.8%
1.2%
1.2%
0.8%
0.7%
Metrics
0.3%
1.0%
0.1% (0.1%) 0.2%
(0.2%)
0.6%
Bank State All Banks
(2.0%) (1.0%) 0.0%
(0.9%)
(1.1%)
(1.9%)
(1.8%)
(3.0%)
(3.0%)
2013Q4
2014Q1
2014Q2
2014Q3
2014Q4
2015Q1
2015Q2
2015Q3
2015Q4
2016Q1
2016Q2
2016Q3
2016Q4
2017Q1
2017Q2
2017Q3
2017Q4
2018Q1
2018Q2
2018Q3
2018Q4
If strong loan growth is occuring, consider how this is being achieved. E.g. loosening underwriting standards, new market areas or new lending niche, etc.
Made with FlippingBook Online newsletter creator