BAS Case Study - March 2023
Sunny State Bank
CRE MIX & GROWTH
Commercial Real EstateMix (% of Total CRE)
CRE Loan Volume and Mix Over Time
6M
Quarter
2018Q4
5M
4M
3M
2M
1M
4.2%
18.3%
Metrics
1-4 Family Const. Multifamily Non Owner Occupied Owner Occupied Land Development
1.2%
2013Q4
2014Q1
2014Q2
2014Q3
2014Q4
2015Q1
2015Q2
2015Q3
2015Q4
2016Q1
2016Q2
2016Q3
2016Q4
2017Q1
2017Q2
2017Q3
2017Q4
2018Q1
2018Q2
2018Q3
2018Q4
CRE Subsets as % of Tier 1 Capital + ALLL
41.6%
Quarter
2018Q4
Construction
Multifamily
Non Owner Occupied
34.7%
100%
80%
60%
40%
20%
20%
13%
1%
CRE Qtr
For the chart showing CRE subsets as a percentage of capital, construction loans include both 1-4 family construction and other construction and land development loans. Owner occupied CRE loans are not included in this chart. Keep in mind that Land Development loans have the highest historical loss rates of any loan type.
2018Q4
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