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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