Bank Analysis School Case Study eBook

Sunny State Bank

ASSET QUALITY RATIOS - TREND

Texas Ratio

Nonaccrual to Total Loans

20.00%

1.40%

19.90%

18.79%

19.66%

18.40%

1.24%

18.00%

16.98%

18.31%

17.42%

16.42%

1.20%

1.06%

16.00%

16.08%

14.77%

0.95%

13.75%

1.00%

14.00%

0.89%

14.64%

0.90%

13.67%

13.72%

0.93%

0.80%

0.91% 0.90%

12.00%

0.80%

12.39%

0.68%

0.61%

10.00%

8.50% 9.51%

0.68%

0.68%

0.60%

0.61%

8.20%

8.00%

0.56%

5.90%

0.40%

5.96%

6.00%

0.28% 0.26%

0.24%

5.81%

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

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

Total Past Due (>30 Days) to Total Loans

Nonaccrual and >90 Days Past Due to Total Loans

5.00%

3.60%

4.81%

4.73%

3.33%

4.58%

3.24%

4.63%

4.43%

4.50%

3.20%

4.27%

4.23%

2.96%

4.14%

2.90%

2.77%

2.92%

4.05%

2.67%

2.80%

4.00%

2.80%

4.05%

2.51%

2.80%

2.46%

3.75%

2.58%

3.66%

3.45%

2.57%

2.57%

3.50%

2.40%

3.43%

2.18%

3.16%

2.12%

2.23%

2.19%

3.00%

2.00%

2.98%

2.97%

3.12%

2.88%

1.90%

2.99%

1.76%

2.82%

2.80%

1.84%

2.50%

1.60%

2.66%

1.73%

1.64%

2.28%

2.23%

2.00%

1.20%

1.18%

1.50%

0.80%

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20X9Q3

20X9Q4

20X0Q1

20X0Q2

20X0Q3

■ Bank 20X0Q4

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20X4Q4

20X5Q1

20X5Q2

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20X9Q2

20X9Q3

20X9Q4

20X0Q1

20X0Q2

20X0Q3

20X0Q4

20X1Q1

20X1Q2

20X1Q3

20X1Q4

20X2Q1

20X2Q2

20X2Q3

20X2Q4

20X3Q1

20X3Q2

20X3Q3

20X3Q4

20X4Q1

20X4Q2

20X4Q3

20X4Q4

20X5Q1

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20X5Q3

■ State 20X5Q4

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■ All Banks

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