Bank Analysis School Case Study eBook

Sunny State Bank

CRE MIX & GROWTH

Commercial Real Estate Mix (% of Total CRE)

CRE Loan Volume and Mix Over Time

20X5Q4

6M

Quarter

5M

4M

3M

2M

1M

4.2%

18.3%

Metrics

1-4 Family Const. Multifamily Non Owner Occupied Owner Occupied Land Development

1.2%

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

CRE Subsets as % of Tier 1 Capital + ALLL

41.6%

20X5Q4

Quarter

Construction

Multifamily

Non Owner Occupied

34.7%

100%

80%

60%

40%

20%

20%

13%

1%

CRE Qtr

For the chart showing CRE subsets as a percentage of capital, construction loans include both 1-4 family construction and other construction and land development loans. Owner occupied CRE loans are not included in this chart. Keep in mind that Land Development loans have the highest historical loss rates of any loan type.

20X5Q4

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