Bank Analysis School Case Study eBook

Sunny State Bank

LOAN MIX & GROWTH

Loan Mix (% Avg Gross Loans and Leases)

Loan Volume and Mix Over Time

20X5Q4

5M 10M 15M 20M 25M 30M 35M 40M 45M 50M

Quarter

Metrics

8.7%

1-4 Family Ag/Farmland Commercial Consumer CRE Other

12.0%

8.8%

3.3%

66.7%

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

Loan Mix (Bank vs. State Averages)

20X5Q4

Quarter

1-4 Fam-Bank 1-4 Fam-State Ag-Bank

Ag-State Comm-Bank Comm-State Cons-Bank Cons-State CRE-Bank CRE-State Other-Bank Other-State

70.0% 66.7%

60.0%

50.0%

40.0%

30.0%

24.6%

20.0%

13.3%

12.0%

8.8%

8.7%

10.0%

4.6%

3.8%

3.3%

3.1%

0.5%

0.7%

Loan Mix Date

https://www.fdic.gov/bank/ana

Evaluating the loan mix can provide insight into the degree of risk in the loan portfolio. The link to the right includes detailed loss rates by loan type over time. If strong loan growth is occuring, consider how this is being achieved. E.g. loosening underwriting standards, new market areas or new lending niche, etc.

20X5Q4