Bank Analysis School Case Study eBook
Sunny State Bank
CAPITAL - OTHER RATIOS
Div. & Ret. …
Dividends to Net Income
Retained Earnings to Average Total Equity
140.7%
6.0%
100.0% 120.0% 140.0%
3.6%
4.0%
3.1%
3.1%
(All)
1.7%
20.0% 40.0% 60.0% 80.0%
2.0%
20X9Q2
0.5%
46.4% 60.3%
44.6%
20X9Q3
38.9%
0.0%
(0.7%)
20X9Q4
(2.0%)
0.0%
20X0Q1
(20.0%) 0.0%
(4.0%)
20X0Q2
(20.3%)
(4.8%)
20X0Q3
(6.0%)
20X9Q4
20X0Q4
20X1Q4
20X2Q4
20X3Q4
20X4Q4
20X5Q4
20X0Q4
20X9Q4
20X0Q4
20X1Q4
20X2Q4
20X3Q4
20X4Q4
20X5Q4
Equity Capital Growth Rate
Equity Growth Less Asset Growth
15.0%
20.0%
15.0%
20.0%
13.5%
17.6%
13.9%
10.0%
9.1%
8.2%
10.0%
5.9%
7.1%
4.7%
7.1%
3.9%
3.0%
5.0%
2.4%
6.6%
3.4%
0.2%
0.8%
1.5%
1.8%
3.7%
(2.3%)
0.0%
0.0%
1.2% 0.9%
(4.7%)
1.5%
(1.0%)
(6.2%)
(6.7%)
0.2%
(2.4%)
(4.7%)
(5.0%)
(6.8%)
(10.0%)
(6.2%)
(7.3%)
(4.4%)
(8.8%)
(11.3%)
(10.2%)
(8.3%)
(11.3%)
(7.3%)
(10.0%)
(11.7%)
(20.0%)
(20.4%)
(21.9%)
(12.7%)
(14.9%)
(15.0%)
(26.3%)
(18.0%)
(20.0%)
(30.0%)
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
20X5Q3
20X5Q4
The ratios on this page relate to dividends, retained earnings, capital growth, and asset growth. Keep in mind that a high level of dividends could impact the ability to grow capital (net income - dividends = retained earnings). Also be mindful that asset growth will impact capital ratios since the denominator for capital ratios is assets (either average total assets or risk weighted assets). If Equity Growth Less Asset Growth is positive, capital ratios will likely improve and vice versa. ■ Bank ■ State ■ All Banks
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