Bank Analysis School - Case Study & Resources

LIQUIDITY EXAMPLE BANK Summary Ratios--Page 1

FDIC Certificate # OCC Charter # 0 Public Report Earnings and Profitability Percent of Average Assets: Interest Income (TE)

Year 5

PG 1 PCT

Year 4

PG 1 PCT

Year 3

PG 1 PCT

Year 2

PG 2 PCT

Year 1

PG 2 PCT

2.66 0.51 2.15 0.59 1.27 1.47 0.13 0.06 1.27 0.01 0.00 1.28 0.94 0.00 0.94 0.94

2.88 0.54 2.34 1.14 1.98 1.55 0.21 0.01 1.36 -0.01 0.00 1.36 1.06 0.00 1.06 1.06 92.84 74.45 3.11 0.57 2.53

31 59 37 21 21 43 53 89 37 78 84 43 34 62 34 34 84 78 31 56 34 37 75 34 64 80 25 21 21

2.03 0.04 1.99 0.49 1.35 1.12 0.04 0.03 1.05 0.02 0.01 1.08 0.79 0.00 0.79 0.79

2.11 0.13 1.99 1.20 1.92 1.27 -0.10 -0.01 1.38 0.01 0.00 1.40 1.09 0.00 1.09 1.09 93.54 76.80 2.26 0.13 2.13

41 22 45 19 25 29 87 92 19 77 83 16 16 67 16 16 83 70 41 22 45 61 65 29 10 90 12 16 16

2.69 0.08 2.62 0.75 1.86 1.51 0.23 0.00 1.28 0.07 0.01 1.36 0.99 0.00 0.99 0.99

2.54 0.34 2.21 1.27 2.18 1.34 0.52 0.00 0.84 0.03 0.00 0.87 0.68 0.00 0.68 0.68

50

3.75 0.29 3.45 1.07 2.05 2.48 0.15 2.32 -0.01 0.00 2.32 1.68 0.00 1.68 1.68

4.03 0.80 3.23 0.84 2.24 1.87 0.12 1.74 0.01 0.00 1.76 1.35 0.00 1.35 1.35

22

3.63 0.08 3.55 0.99 2.04 2.50 0.15 2.35 0.00 0.00 2.35 1.71 0.00 1.71 1.71

3.96 0.61 3.35 0.86 2.35 1.91 0.14 1.76 0.00 0.00 1.76 1.37 0.00 1.36 1.36

26

- Interest Expense

6

8

1

Net Interest Income (TE) + Noninterest Income - Noninterest Expense

66 26 23 60 26 42 83 86 86 86 86 56 86 86

68 74 35 87 70 87 17 48 86 85 82 85 85

69 66 31 89 66 90 34 89 91 87 83 87 87

Pre-Provision Net Revenue (TE) - Provision: Credit Losses - Provision: Credit Loss Oth Assets Pretax Operating Income (TE) + Realized Gains/Losses Sec + Unrealized Gains / Losses Equity Sec Pretax Net Operating Income (TE)

N/A 0.00

N/A

N/A 0.00

N/A

Net Operating Income Net Inc Attrib to Min Ints Net Income Adjusted Sub S

Net Income

Margin Analysis: Avg Earning Assets to Avg Assets Avg Int-Bearing Funds to Avg Assets Int Inc (TE) to Avg Earn Assets Int Expense to Avg Earn Assets Net Int Inc-TE to Avg Earn Assets Loan & Lease Analysis: Net Loss to Average Total LN&LS Earnings Coverage of Net Losses (X) ACL on LN&LS HFI to LN&LS HFI ACL on LN&LS HFI to Net Losses (X) Total LN&LS-90+ Days PD & Nonaccrual Non-Curr Lns+OREO to Lns+OREO Liquidity Net Non Core Fund Dep New $250M ACL on LN&LS HFI to Nonaccrual LN&LS (X) 30-89 Days Past Due

97.68 84.88 2.72 0.52 2.20

97.39 84.53 2.08 0.04 2.05

97.65 84.53 2.76 0.08 2.68 0.20 16.98 0.99 6.06

93.24 80.62 2.73 0.36 2.37 0.36 52.61 1.78 8.07

86 80 46

97.60 91.88 82.36 78.35

88 71 13

98.25 92.09 79.52 77.77

92 48 12

3.84 0.30 3.54

4.39 0.86 3.53

3.69 0.08 3.61

4.31 0.66 3.65

6

6

1

56

52

49

0.10

0.24

0.21

0.16

26 78 23 78 82 10 10 10

0.24

0.15

74 48 64 36 75 36 23 20

0.22

0.16

73 57 69 46 76 75 29 25

42.15 103.38

15.65 152.69

21.23 46.60

24.00 51.15

0.86 8.96 4.78 0.14 0.19 0.19

1.24 15.64

0.64 3.74 5.04 0.11 0.13 0.13

1.17 13.77

0.92 4.26 2.97 0.23 0.31 0.31

0.78 9.67 2.24 0.35 0.55 0.60

0.99

0.84

4.97 12.06

3.49 0.49 0.60 0.61

2.44 0.44 0.74 0.75

4.30 0.11 0.23 0.23

2.48 0.51 1.09 1.10

2.98 0.48 0.34 0.34

2.44 0.37 0.59 0.66

9.34 35.22 41.97

1.36 50.64 61.72

71 25 18

2.29 31.57 34.40

-9.17 46.67 55.47

74 19 16

-8.77 39.29 43.35

-3.65 47.39 57.02

40 33 23

-2.23 12.07 46.96 69.57 52.18 88.58

9 5 3

-0.23 13.84 49.98 69.40 56.12 88.24

9 6 4

Net Loans & Leases to Assets Net Loans & Leases to Deposits

Capitalization Leverage Ratio Total Capital Ratio

7.9626 16.0507

8.76 15.78 44.95 3.41

21 62 28 18 50 71 56 68 96

7.2429 15.4041

8.25 15.72 48.02 3.98

19 58 25 16 96 96 90 22 96

6.4334 11.4933

8.42 15.09 50.21 5.79

6 3

7.2963 10.08 11.9586 13.75 70.71 59.28

3

8.1036 10.02 13.3160 13.62 15.00 47.35

5

14 57 17

53 16 19

Cash Dividends to Net Income Non-Curr Lns+OREO to T1 Capital+ACL

14.53 0.79

0.00 0.57

6.05 1.53

20 16

1.96

4.13

1.97

4.48

Growth Rates Total Assets Tier 1 Capital

0.21 16.23 11.79

2.67 12.01 12.44

83.22 123.91 47.21 -27.03 148.29

14.05 12.73 13.37 10.23 -22.85

62.76 31.94 36.20

19.18 7.63 4.50

96 96 96 46 96

24.59 7.49 17.06

11.41 11.53 11.44

84 41 76 63

11.41 10.03 21.56 11.50 22.78 10.99 12.84 12.77 -37.14 21.75

67 81 86 56

Net Loans & Leases Short Term Investments

8.68 -17.76

112.74 219.10

41.73 39.23 -71.04 13.84

Short Term Non Core Funding

1,171.40 158.82

259.98

-22.29

1

4

Average Total Assets

214,666,750 2,024,000

163,362,694 1,294,000

83,751,084

61,827,081 1,036,618

54,520,639

Net Income

826,243

933,641

Number of banks in Peer Group

31

30

29

94

92