Bank Analysis School - Case Study & Resources

LOAN MIX & GROWTH

Sunny State Bank

Loan Mix (% Avg Gross Loans and Leases)

Loan Volume and Mix Over Time

50M

Quarter

20 X5Q4

45M

40M

Metrics

8.7%

35M

1-4 Family

12.0%

30M

Ag/Farml…

25M

Commerci…

8.8%

20M

Consumer

3.3%

15M

66.7%

CRE

10M

Other

5M

20 X9 Q4 20 X0Q4

20 X1Q4

20 X2Q 4 20 X3Q4

20 X4Q4

20 X5Q4

Loan Mix (Bank vs. State Averages)

Quarter

20 X5Q4

1-4 Fam-Bank 1-4 Fam-State Ag-Bank

Ag-State Comm-Bank Comm-State Cons-Bank Cons-State CRE-Bank CRE-State Other-Bank Other-State

70.0% 66.7%

60.0%

48.9%

50.0%

40.0%

30.0%

26.5%

20.0%

12.0%

9.1%

8.8%

8.7%

7.5%

10.0%

6.1%

3.3%

1.4%

0.5%

Loan Mix Date

Evaluating the loan mix can provide insight into the degree of risk in the loan portfolio. E.g. loosening underwriting standards, new market areas or new lending niche, etc.