Bank Analysis School Case Study eBook

Sunny State Bank

CAPITAL RATIOS - TREND

Tier One Leverage Ratio

Total Capital Ratio

11.00%

20.00%

10.00%

17.96%

17.52%

18.00%

17.29%

8.88% 8.97%

8.78%

16.85%

17.38%

8.70% 8.51%

16.57%

9.00%

8.48%

8.47%

8.24%

16.09%

17.23%

15.94%

7.96%

8.75%

16.85%

7.89%

15.51%

16.00%

8.55%

16.52%

8.43%

8.44%

8.00%

16.25%

8.30%

16.15%

15.85%

14.53%

7.77% 7.72%

7.74%

7.69%

15.32%

15.23%

7.00%

14.71%

14.00%

6.00%

12.00%

20X9Q2

20X9Q3

20X9Q4

20X0Q1

20X0Q2

20X0Q3

20X0Q4

20X1Q1

20X1Q2

20X1Q3

20X1Q4

20X2Q1

20X2Q2

20X2Q3

20X2Q4

20X3Q1

20X3Q2

20X3Q3

20X3Q4

20X4Q1

20X4Q2

20X4Q3

20X4Q4

20X5Q1

20X5Q2

20X5Q3

20X5Q4

20X9Q2

20X9Q3

20X9Q4

20X0Q1

20X0Q2

20X0Q3

20X0Q4

20X1Q1

20X1Q2

20X1Q3

20X1Q4

20X2Q1

20X2Q2

20X2Q3

20X2Q4

20X3Q1

20X3Q2

20X3Q3

20X3Q4

20X4Q1

20X4Q2

20X4Q3

20X4Q4

20X5Q1

20X5Q2

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20X5Q4

Tier One Capital Ratio

Common Equity Tier One Ratio

18.00%

10.00% 12.00% 14.00% 16.00% 18.00%

16.87%

16.15%

15.58%

15.12%

16.57% 16.87%

17.00%

14.52%

16.37%

16.13%

16.48%

15.38%

15.81%

15.78%

14.58%

16.00%

16.31%

16.13%

13.81%

15.58%

15.74%

14.76%

15.00%

15.42%

15.45%

15.03%

13.92%

14.58%

14.00%

2.00% 4.00% 6.00% 8.00%

13.81%

13.00%

12.00%

11.00%

0.00% 0.00% 0.00% 0.00%

20X9Q2

20X9Q3

20X9Q4

20X0Q1

20X0Q2

20X0Q3

20X0Q4

20X1Q1

20X1Q2

20X1Q3

20X1Q4

20X2Q1

20X2Q2

20X2Q3

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20X3Q1

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20X4Q3

20X4Q4

20X5Q1

20X5Q2

20X5Q3

20X5Q4

20X9Q2

20X9Q3

20X9Q4

20X0Q1

20X0Q2

20X0Q3

20X0Q4

20X1Q1

20X1Q2

20X1Q3

20X1Q4

20X2Q1

20X2Q2

20X2Q3

20X2Q4

20X3Q1

20X3Q2

20X3Q3

20X3Q4

20X4Q1

20X4Q2

20X4Q3

20X4Q4

20X5Q1

20X5Q2

20X5Q3

20X5Q4

The Common Equity Tier One Ratio became a new ratio in 2015. The Community Bank Leverage Ratio framework became effective in 2020 (banks opting into this framework do not report risk-weighted assets). The horizontal dotted lines in the charts refect Prompt Corrective Action well capitalized thresholds ■ State ■ Banks

■ All Banks

*NOTE* Banks that opt in to the CBLR framework will not have certain Capital ratios reported