Bank Analysis School - Case Study & Resources

LOSS RATE BY LOAN TYPE

Sunny State Bank

Construction Loans

CRE (Non-Construction)

Commercial

2.03%

5.00%

3.50%

4.75%

3.47%

2.00%

4.00%

3.00%

1.60%

3.00%

2.50%

1.20%

2.00%

2.00%

1.00%

0.80%

1.50%

0.00%

0.00% 0.00%

1.26%

0.00%

1.00%

0.00%

0.00%

0.40%

0.37%

(1.00%)

0.50%

0.47%

0.00%

0.00% 0.00%

(1.22%)

0.00%

0.00%

0.00% 0.00%

0.00%

(0.03%)

(2.00%)

20 X9 Q4

20 X0 Q4

20 X1 Q4

20 X2 Q4

20 X3 Q4

20 X4 Q4

20 X5 Q4

20 X9 Q4

20 X0 Q4

20 X1 Q4

20 X2 Q4

20 X3 Q4

20 X4 Q4

20 X5 Q4

20 X9 Q4

20 X0 Q4

20 X1 Q4

20 X2 Q4

20 X3 Q4

20 X4 Q4

20 X5 Q4

1-4 Family

Consumer

Agricultural

0.45%

2.80%

0.40%

2.76%

0.35%

0.40%

2.40%

0.30%

0.35%

2.00%

0.25%

0.30%

1.60%

0.20%

0.25%

1.20%

0.21%

0.15%

0.20%

0.80%

0.10%

0.44% 0.43%

0.61%

0.15%

0.27%

0.40%

0.10%

0.05%

0.09%

0.10%

0.00%

0.00% 0.00% 0.00% 0.00%

0.27%

0.00%

0.00%

0.05%

0.00%

0.00%

(0.17%)

(0.40%)

(0.05%)

20 X9 Q4

20 X0 Q4

20 X1 Q4

20 X2 Q4

20 X3 Q4

20 X4 Q4

20 X5 Q4

20 X9 Q4

20 X0 Q4

20 X1 Q4

20 X2 Q4

20 X3 Q4

20 X4 Q4

20 X5 Q4

20 X9 Q4

20 X0 Q4

20 X1 Q4

20 X2 Q4

20 X3 Q4

20 X4 Q4

20 X5 Q4

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