Bank Analysis School - Case Study & Resources

ASSET QUALITY RATIOS - TREND

Sunny State Bank

Texas Ratio

Nonaccrual to Total Loans

1.20%

1.00%

0.90% 0.91%

0.89%

0.80%

0.68%

0.60%

0.53%

0.56%

0.40%

0.29%

0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

20 X9 Q4 20 X0Q4

2 0X1 Q4 20 X2 Q4 20 X3 Q4 20 X4Q4

20 X5 Q4

20 X9Q4

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

Total Past Due (>30 Days) to Total Loans

Nonaccrual and >90 Days Past Due to Total Loans

5.00%

3.20%

4.78%

2.99%

4.63%

2.90%

4.50%

4.27%

2.80%

2.67%

2.57%

4.23%

4.00%

2.32%

2.40%

3.45%

3.75%

3.50%

2.00%

3.00%

1.90%

1.60%

2.82%

2.50%

1.20%

2.00%

1.18%

0.80%

1.50%

20 X9 Q4 20 X0Q4

20 X1Q4

20 X2 Q4 20 X3Q4

20 X4Q4

20 X5 Q4

20 X9 Q4 20 X0Q4

20 X1Q4

20 X2Q4

20 X3Q4

20 X4 Q4 20 X5 Q4

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