Bank Analysis School Case Study eBook

Sunny State Bank

CALCULATIONS - ASSETS CONTINUED

Page

Chart

Formula

09. Ag Mix & Growth

Agricultural Loan Volume and Mix Over Time

Same as Agricultural Mix

Agricultural Mix

Farmland = Farmland Real Estate Loans (RCON1420) Ag Production = Agricultural Production and Other Loans to Farmers (RCON1590) Farmland = Farmland Real Estate Loans % Tier1+ALLL (UBPRE880) Ag Production = Agricultural Production Loans % Tier1+ALLL (UBPRE886)

Agricultural Subsets as % of Tier 1 Capital + ALLL Net Loan Losses/Average Loans Recoveries to Prior Credit Losses

10.Loan Loss History 11.Loan Type Losses

Net Loss to Average Total Loans and Leases (UBPRE019)

Recoveries to Prior Credit Loss (UBPRE388)

1-4 Family Agricultural Commercial

Single & Multi Family Mortgage/Net Losses By Type of Ln&Ls (UBPRE401)

Secured By Farmland/Net Losses By Type of Ln&Ls, Agricultural Loans/Net Losses By Type of Ln&Ls (UBPRE400+UBPRE407)

Commercial and Industrial Loans/Net Losses By Type of Ln&Ls (UBPRE408) Construction & Land Dev/Net Losses By Type of Ln&Ls (UBPRE399)

Construction Loans

Consumer

Loans to Individuals/Net Losses By Type of Ln&Ls (UBPRE410)

CRE (Non-Construction)

Multifamily Loans/Net Losses By Type of Ln&Ls, Non-Farm Non-Residential Mtg/Net Losses By Type of Ln&Ls (UBPRE404+UBPRE405)

12. AQ Ratios - Level

ALLL to Total Loans

Loan and Lease Allowance to Total Loans and Leases (UBPRE023) Gross Ln&Ls -Nonaccrual/% of Non-Curr Ln&Ls By Ln Type (UBPRE542)

Nonaccrual to Total Loans

Texas Ratio

Restr+Nonac+Re Acq to Eqcap+Alll (UBPRE026) %Total P/D Ln&Ls-Incl Nonaccrual (UBPRE547)

Total Past Due (>30 Days) to Total Loans

13. AQ Ratios - Trend

ALLL to Total Loans

Loan and Lease Allowance to Total Loans and Leases (UBPRE023) Gross Ln&Ls -Nonaccrual/% of Non-Curr Ln&Ls By Ln Type (UBPRE542)

Nonaccrual to Total Loans

Texas Ratio

Restr+Nonac+Re Acq to Eqcap+Alll (UBPRE026) %Total P/D Ln&Ls-Incl Nonaccrual (UBPRE547)

Total Past Due (>30 Days) to Total Loans ALLL Activity (End of Prior Year)

14. ALLL Activity

ALLL Balance Reported in Previous Year End, ALLL Charge-Offs, ALLL Recoveries, ALLL Provisions, ALLL Other Adjustments (RIADB522-UBPR4365+RIAD4605+RIAD4230+UBPRC233) ALLL Balance Reported in Previous Year End, ALLL Charge-Offs, ALLL Recoveries, ALLL Provisions, ALLL Other Adjustments (RIADB522-UBPR4365+RIAD4605+RIAD4230+UBPRC233)

ALLL Activity (Year-to-Date)

ALLL to Total Loans (Trend) Other Real Estate Gains/Losses Other Real Estate Owned / Average Total Assets

Loan and Lease Allowance to Total Loans and Leases (UBPRE023) Net Gains (Losses) On Other Real Estate Owned (RIAD5415)

15. OREO

Non-Investment Other Real Estate % Average Total Assets (RIADE130/RCON3368)

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