Bank Analysis School Case Study eBook
FDIC Certificate # XXXX OCC Charter # 0 Public Report Earnings and Profitability Percent of Average Assets: Interest Income (TE)
SUNNY STATE BANK One Quarter Annualized Income Analysis--Page 12
Income Statement 1-Qtr-Ann
12/31/20 X5
09/30/20 X5
06/30/20 X5
03/31/20 X5
12/31/20 X4
BANK
PG 10
PCT
BANK
PG 10
PCT
BANK
PG 10
PCT
BANK
PG 10
PCT
BANK
PG 10
PCT
3.80 0.47 3.32 0.52 3.13 0.71 0.73 N/A -0.02 0.00 -0.02 0.05 0.00 0.05 0.05 N/A
4.33 0.54 3.78 0.61 3.41 0.96 0.17 0.00 0.71 0.00 0.00 0.71 0.60 0.00 0.56 0.60
21 43 17 50 42 35 89 15 89 15 18 98 18 18
3.67 0.47 3.20 0.53 3.40 0.33 0.03 N/A 0.30 0.00 N/A 0.30 0.25 0.00 0.25 0.25
4.29 0.49 3.79 0.67 3.39 1.08 0.09 0.00 0.92 0.00 0.00 0.93 0.79 0.00 0.71 0.79
15 51 14 45 64 12 54 14 95 14 15 98 15 15
3.68 0.49 3.20 0.46 3.79 -0.13 0.12 -0.25 0.00 -0.25 -0.14 0.00 -0.14 -0.14 N/A N/A
4.18 0.43 3.74 0.63 3.45 1.01 0.10 0.00 0.91 0.00 0.00 0.91 0.80 0.00 0.73 0.80
22 65 14 41 72 12 66 10 93 10 10 98 10 10
3.66 0.46 3.19 0.49 3.60 0.08 0.14 N/A -0.06 0.00 -0.06 0.00 0.00 0.00 0.00 N/A
4.05 0.40 3.64 0.66 3.50 0.86 0.08 0.00 0.73 0.00 0.00 0.73 0.63 0.00 0.57 0.63
28 65 21 46 61 10 77 10 92 10 10 98 10 10
3.50 0.37 3.13 0.42 3.92 -0.37 0.51 -0.88 0.00 -0.88 -1.59 0.00 -1.59 -1.59 N/A N/A
4.13 0.38 3.74 0.69 3.68 0.86 0.14 0.00 0.69 0.00 0.00 0.68 0.28 0.00 0.20 0.28
14 59 10 38 69
- Interest Expense
Net Interest Income (TE) + Noninterest Income - Noninterest Expense
Pre-Provision Net Revenue (TE) - Provision: Credit Losses - Provision: Credit Loss Oth Assets Pretax Operating Income (TE) + Realized Gains/Losses Sec + Unrealized Gains / Losses Equity Sec Pretax Net Operating Income (TE)
9
90
N/A
N/A
N/A
N/A
N/A
7
88
N/A
N/A
N/A
N/A
N/A
7 9 9 9
Net Operating Income Net Inc Attrib Min Ints Net Income Adjusted Sub S
98
Net Income
Margin Analysis: Int Inc (TE) to Avg Earn Assets Int Expense to Avg Earn Assets Net Int Inc-TE to Avg Earn Assets Loan & Lease Analysis: Net Loss to Average Total LN&LS Earnings Coverage of Net Loss (X) ACL on LN&LS HFI to Net Losses (X) Capitalization Cash Dividends to Net Income Retain Earns to Avg Total Equity
4.23 0.53 3.70
4.64 0.57 4.06
25 46 29
4.17 0.53 3.64
4.59 0.52 4.06
27 55 24
4.15 0.55 3.60
4.45 0.46 3.99
29 68 22
4.10 0.52 3.58
4.35 0.42 3.91
34 69 28
3.99 0.42 3.57
4.45 0.41 4.03
25 59 19
1.24 1.01 0.68
0.20
89 38 36
-0.10 -5.67 -7.98
0.08 3.77
4
0.00 N/A N/A
0.09 -8.35 -8.80
57
0.08 1.78 9.44
0.10 -5.01 -14.51
73 47 68
0.51 -0.77 1.33
0.19 3.63 -6.15
81 35 46
15.66 2.71
37 40
N/A N/A
-14.91
0.00 0.72
57.71
51 40
0.00 3.36
18.32
58 34
0.00 -1.95
32.61
46 18
0.00 -0.06
23.12
60 21
0.00
53.24 -2.58
52 10
0.28
4.97
2.88
3.54
-20.10
Yield on or Cost of: Total Loan & Leases (TE) Loans in Domestic Offices
5.24 5.24 4.95 4.78 6.06 8.82 5.72 5.89 -2.27 N/A 2.40 2.40 2.10 2.43 2.82 6.67 N/A 0.50 0.57 0.21 0.96 N/A 2.81 1.73 N/A N/A 0.60
5.70 5.70 5.41 5.58 5.38 6.53 7.96 5.86 0.00 2.48 2.34 2.07 2.37 2.46 2.18 2.05 0.74 0.27 0.41 1.28 0.00
25 25 28 20 78 88 14 20 49 63 53 56 74 96 26 81 25 23 2
5.25 5.25 4.79 4.61 5.96 7.70 6.06 5.82 N/A 2.32 2.32 2.02 2.24 2.95 0.00 2.53 0.52 0.64 0.22 0.85 N/A 2.34 1.71 N/A N/A 0.59
5.69 5.69 5.46 5.50 5.58 6.07 7.46 5.79 0.00 2.38 2.26 1.90 2.08 2.41 1.80 1.89 0.67 0.25 0.39 1.13 0.00 1.40 1.82 0.00 2.29 0.72
27 28 17 15 70 89 27
5.31 5.31 4.88 4.74 5.68 7.23 6.24 7.94 7.50 N/A 2.33 2.33 2.03 2.29 2.87 0.70 2.06 0.50 0.60 0.20 0.87 N/A 1.00 2.35 N/A N/A 0.61
5.51 5.50 5.31 5.31 5.52 6.12 7.19 5.62 0.00 2.33 2.18 1.92 2.05 2.32 1.52 1.64 0.58 0.23 0.34 1.00 0.00 1.65 1.78 0.00 2.67 0.63
42 44 24 24 64 83 32 18 91 50 67 62 71 77 17 68 40 90 30 34
5.11 5.11 4.69 4.61 5.14 7.20 5.97 7.90 6.93 N/A 2.35 2.35 2.02 2.32 2.94 0.00 0.00 0.45 0.47 0.22 0.84 N/A 2.34 2.40 N/A N/A 0.59
5.41 5.41 5.22 5.37 5.25 5.98 7.11
33 34 17 18 49 82 36 18 85 57 67 70 67 77 13 38 89 38 41 6
5.29 5.29 4.78 4.62 5.74 7.14 6.11 7.53 8.59 N/A 1.79 2.29 2.03 2.20 2.91 1.30 0.00 0.41 0.41 0.23 0.71 N/A 1.79 1.20 N/A N/A 0.47
5.55 5.54 5.31 5.40 5.35 6.22 7.23
40 44 18 22 69 78 33 31 94 17 64 72 57 76 52 10 35 89 42 28
Real Estate
Secured by 1-4 Fam Resi Prop All Other Loans Sec Real Estate
Commercial & Industrial
Individual
Credit Card
13.32
14.33
7
12.99
11.45 5.55 0.00 2.28 2.15 1.78 2.17 2.39 1.34 1.39
11.04 5.66 0.00 2.45 2.14 1.74 1.93 2.36 1.25 1.30
Agricultural
13.95
97
Loans in Foreign Offices Total Investment Securities (TE) Total Investment Securities (Book) US Treas & Agency (Excl MBS) Mortgage Backed Securities Interest-Bearing Bank Balances Federal Funds Sold & Resales All Other Securities
N/A
N/A
N/A
N/A
N/A
45 52 61 52 83
8
N/A
82
Total Interest Bearing Deposits
37 90 27 24
0.54 0.19 0.31 0.93 0.00 1.25 1.57 0.00 2.23 0.58
0.51 0.18 0.28 0.91 0.00 1.08 1.49 0.00 1.49 0.55
Transaction accounts Other Savings Deposits
Time Deposits
Foreign Office Deposits
N/A
N/A
N/A
N/A
N/A
Federal Funds Purchased & Repos
2.14 15.22 0.00 2.61 0.80
63 28
71 42
42 78
80 92
78 46
Other Borrowed Money Subord Notes & Debentures Other Interest Expense All Interest-Bearing Funds
N/A N/A
N/A N/A
N/A N/A
N/A N/A
N/A N/A
32
40
50
54
43
Memo: Interest on Time Dep Over Ins Limit
1.23
1.66
32
1.26
1.35
42
1.33
1.52
42
0.77
1.10
28
1.57
1.25
73
Made with FlippingBook. PDF to flipbook with ease