BAS Case Study - March 2023
Sunny State Bank
ASSET QUALITY RATIOS - TREND
Texas Ratio
Nonaccrual to Total Loans
1.40%
8.00% 10.00% 12.00% 14.00% 16.00% 18.00% 20.00%
19.90%
18.79%
19.66%
18.40%
1.24%
16.98%
18.31%
17.42%
16.42%
1.20%
15.93%
1.06%
16.08%
14.30%
14.77%
13.75%
13.66%
14.64%
0.95%
1.00%
13.67%
13.72%
0.90%
0.89%
13.00%
12.39%
0.93%
0.91%
0.80%
0.89%
0.80%
0.68%
0.69%
0.61%
0.68%
0.68%
0.56%
0.60%
0.61%
6.00%
0.56%
0.56%
2013Q4
2014Q1
2014Q2
2014Q3
2014Q4
2015Q1
2015Q2
2015Q3
2015Q4
2016Q1
2016Q2
2016Q3
2016Q4
2017Q1
2017Q2
2017Q3
2017Q4
2018Q1
2018Q2
2018Q3
2018Q4
2013Q4
2014Q1
2014Q2
2014Q3
2014Q4
2015Q1
2015Q2
2015Q3
2015Q4
2016Q1
2016Q2
2016Q3
2016Q4
2017Q1
2017Q2
2017Q3
2017Q4
2018Q1
2018Q2
2018Q3
2018Q4
Total Past Due (>30 Days) to Total Loans
ALLL to Total Loans
4.81%
5.00%
1.60%
4.73%
4.78%
4.58%
4.43%
4.50%
4.27%
4.23%
1.40%
4.05%
4.00%
4.05%
3.66%
3.45%
1.20%
1.12%
3.50%
3.43%
3.16%
1.00%
3.00%
3.12%
2.88%
0.97%
2.99%
2.82%
0.84% 0.86%
0.83%
2.80%
0.80%
2.50%
2.66%
0.75%
0.74%
0.80%
0.73%
0.83%
0.70%
0.78%
0.76%
2.00%
0.70%
0.73%
0.72%
0.71%
0.60%
1.50%
0.54% 0.58%
2013Q4
2014Q1
2014Q2
2014Q3
2014Q4
■ Bank 2015Q1
2015Q2
2015Q3
2015Q4
2016Q1
2016Q2
2016Q3
2016Q4
2017Q1
2017Q2
2017Q3
2017Q4
2018Q1
2018Q2
2018Q3
■ State 2018Q4
2013Q4
2014Q1
2014Q2
2014Q3
2014Q4
2015Q1
2015Q2
2015Q3
2015Q4
2016Q1
2016Q2
2016Q3
2016Q4
2017Q1
2017Q2
2017Q3
2017Q4
2018Q1
2018Q2
2018Q3
2018Q4
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