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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