Bank Analysis School Case Study eBook

Sunny State Bank

LOSS RATE BY LOAN TYPE

Construction Loans

CRE (Non-Construction)

Commercial

2.03%

5.00%

3.50%

4.75%

3.47%

2.00%

(All)

4.00%

3.00%

1.60%

20X9Q2

3.00%

2.50%

20X9Q3

1.20%

2.00%

2.00%

20X9Q4

1.00%

0.80%

1.50%

20X0Q1

0.00%

0.00% 0.00%

1.26%

0.00%

20X0Q2

1.00%

0.00%

0.00%

0.40%

0.37%

20X0Q3

(1.00%)

(1.22%)

0.50%

0.47%

0.00%

0.00%

20X0Q4

0.00%

0.00%

0.00%

(0.03%)

(2.00%)

20X1Q1

20X1Q2

20X9Q4

20X0Q4

20X1Q4

20X2Q4

20X3Q4

20X4Q4

20X5Q4

20X9Q4

20X0Q4

20X1Q4

20X2Q4

20X3Q4

20X4Q4

20X5Q4

20X9Q4

20X0Q4

20X1Q4

20X2Q4

20X3Q4

20X4Q4

20X5Q4

1-4 Family

Consumer

Agricultural

20X1Q3

0.45%

2.80%

0.08%

20X1Q4

2.76%

0.40%

2.40%

20X2Q1

0.06%

0.35%

2.00%

20X2Q2

0.30%

1.60%

20X2Q3

0.04%

0.25%

1.20%

0.21%

20X2Q4

0.20%

0.02%

0.80%

20X3Q1

0.44%

0.61%

0.15%

0.27%

0.00%

0.00%

0.00%

0.00%

0.40%

0.10% 0.09%

20X3Q2

0.43%

0.00%

0.10%

0.27%

0.00%

0.00%

0.00%

0.00%

20X3Q3

0.05%

(0.17%)

0.00%

(0.40%)

(0.02%)

20X3Q4

20X4Q1

20X4Q2

20X9Q4

20X0Q4

■ Bank 20X1Q4

20X2Q4

20X3Q4

20X4Q4

20X5Q4

20X9Q4

20X0Q4

■ State 20X1Q4

20X2Q4

20X3Q4

20X4Q4

20X5Q4

20X9Q4

20X0Q4

20X1Q4

20X2Q4

20X3Q4

20X4Q4

20X5Q4

■ All Banks

20X4Q3