Bank Analysis School Case Study eBook

Sunny State Bank

ASSET MIX

Asset Mix (% of Assets)

Asset Growth and Mix Over Time

20X5Q4

100K

Quarter

80K

10.8%

60K

3.8%

Metrics

Other Highly Liquid Securities Loans

40K

54.7%

30.7%

20K

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

Net Loans to Assets Ratio

Net Loans to Assets Ratio

69.6%

69.6%

72.0%

70.0%

68.0%

60.0%

55.8%

64.0%

50.0%

60.0%

55.2%

Metrics

54.4% 54.4%

56.0%

53.5%

40.0%

Bank State All Banks

54.9%

51.0%

54.4%

54.1%

52.0%

49.6%

52.8%

47.8%

50.4%

30.0%

48.0%

49.2%

44.0%

44.0%

20.0%

42.9% 44.1%

10.0%

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

Current Quarter

Evaluating the overall asset mix can provide insight into the risk profle of a bank. Loans are generally the highest-risk asset category.

20X5Q4