Bank Analysis School - Case Study & Resources

CRE MIX & GROWTH

Sunny State Bank

Commercial Real Estate Mix (% of Total CRE)

CRE Loan Volume and Mix Over Time

Quar...

5M

20 X5 Q4

4M

3M

2M

1M

4.2%

18.3%

Metrics

1-4 Family Const.

1.2%

20 X9 Q4

20X0Q4

20 X1Q4

20 X2Q4

20 X3Q4

20 X 4 Q4

20 X5Q4

Multifamily

CRE Subsets as % of Tier 1 Capital + ALLL

41.6%

Non Owner Occupied

Quarter

20 X5 Q4

Owner Occupied

Construction

Multifamily

Non Owner Occupied

34.7%

Land Development

100%

80%

60%

40%

20%

20%

13%

1%

CRE Qtr

For the chart showing CRE subsets as a percentage of capital, construction loans include both 1-4 family construction and other construction and land development loans. Owner occupied CRE loans are not included in this chart. Keep in mind that Land Development loans have the highest historical loss rates of any loan type.

20 X5 Q4