Bank Analysis School - Case Study & Resources

ASSET MIX

Sunny State Bank

Asset Mix (% of Assets)

Asset Growth and Mix Over Time

100M

Q...

20 X5Q4

80M

10.77%

3.82%

Metrics

60M

Other

Highly Liquid

40M

54.71%

Securities

30.70%

Loans

20M

20 X9 Q4 20 X0 Q4 20 X1 Q4 20 X2 Q4 20 X3 Q4 20 X4 Q4 20 X5 Q4

Net Loans to Assets Ratio

Net Loans to Assets Ratio

72.0%

Bank

State

All Banks

69.6%

69.6%

68.0%

70.0%

64.0%

60.0%

55.8%

60.0%

50.0%

Metrics

55.8%

54.4% 54.4%

56.0%

Bank

40.0%

52.0%

State

52.8%

49.2%

30.0%

50.4%

All Banks

48.0%

20.0%

44.0%

43.6%

10.0%

20 X9 Q4 20 X0 Q4 20 X1 Q4 20 X2 Q4 20 X3 Q4 20 X4 Q4 20 X5

Current Quarter

Evaluating the overall asset mix can provide insight into the risk profile of a bank. Loans are generally the highest-risk asset category.

20 X5 Q4