Bank Analysis School - Case Study & Resources

CAPITAL RATIOS - TREND

Sunny State Bank

Tier One Leverage Ratio

Total Capital Ratio

11.00%

20.00%

10.00%

17.52%

18.00%

17.21%

8.88%

16.49%

9.00%

8.55%

8.44%

8.28%

8.17%

16.00%

15.23%

15.71%

8.00%

15.32%

7.72%

7.69%

14.00%

14.42%

7.00%

6.00%

12.00%

20 X9 Q4 20 X0Q4

20 X1 Q4 20 X2 Q4 20 X3 Q4 20 X4 Q4 20 X5 Q4

20 X9Q4

20 X0Q4

2 0X1 Q4 20 X2Q4

20 X3 Q4 20 X4Q4

20 X5 Q4

Tier One Capital Ratio

Common Equity Tier One Ratio

18.00%

18.00%

15.78%

16.00%

17.00%

16.57%

14.58% 14.52%

16.29%

13.62%

14.00%

15.78%

16.00%

12.00%

15.00%

14.52%

14.92%

10.00%

14.58%

14.00%

8.00%

13.62%

13.00%

6.00%

12.00%

4.00%

11.00%

2.00%

0.00% 0.00% 0.00%

20 X9 Q4 20 X0 Q4 20 X1Q4

20 X2 Q4 20 X3 Q4 20 X4 Q4 20 X5Q4

20 X9Q4

20 X0Q4

20 X1 Q4 20 X2 Q4 20 X3 Q4 20 X4 Q4 20 X5 Q4

The Common Equity Tier One Ratio became a new ratio in 2015. The Community Bank Leverage Ratio framework became effective in 2020 (banks opting into this framework do not report risk-weighted assets). The horizontal dotted lines in the charts reflect Prompt Corrective Action well capitalized thresholds ■ State ■ Banks

■ All Banks

*NOTE* Banks that opt in to the CBLR framework will not have certain Capital ratios reported