Bank Analysis School Case Study

Sunny State Bank

LOSS RATE BY LOAN TYPE

Construction Loans

CRE (Non-Construction)

Commercial

4.75%

2.03%

3.50%

5.00%

3.47%

2.00%

(All)

4.00%

3.00%

1.60%

20X0 Q4 20X1 Q1 20X1 Q2 20X1 Q3 20X1 Q4 20X2 Q1 20X2 Q2 20X2 Q3 20X2 Q4 20X3 Q1 20X3 Q2 20X3 Q3 20X3 Q4 20X4 Q1 20X4 Q2 20X4 Q3 20X4 Q4 20X5 Q1 20X5 Q2 20X5 Q3 20X5 Q4

3.00%

2.50%

1.20%

2.00%

2.00%

1.00%

1.50%

0.80%

0.00% 0.00%

1.26%

0.00%

0.00%

1.00%

0.00%

0.40%

0.37%

(1.00%)

0.50%

0.47%

0.00%

(1.22%)

0.00%

0.00%

0.00%

0.00%

(0.03%)

(2.00%)

20X0 Q4

20X1 Q4

20X2 Q4

20X3 Q4

20X4 Q4

20X5 Q4

20X0 Q4

20X1 Q4

20X2 Q4

20X3 Q4

20X4 Q4

20X5 Q4

20X0 Q4

20X1 Q4

20X2 Q4

20X3 Q4

20X4 Q4

20X5 Q4

1-4 Family

Consumer

Agricultural

0.35%

2.80%

(0.05%) 0.00% 0.05% 0.10% 0.15% 0.20% 0.25% 0.30% 0.35% 0.40%

2.76%

0.40% 0.80% 1.20% 1.60% 2.00% 2.40%

0.30%

0.25%

0.21%

0.20%

0.15%

0.44% 0.43%

0.61%

0.10%

0.09%

0.10%

0.00%

0.00% 0.00% 0.00%

0.27%

(0.40%) 0.00%

0.05%

(0.17%)

0.00%

0.00%

20X0 Q4

20X1 Q4

20X2 Q4

20X3 Q4

20X4 Q4

20X5 Q4

20X0 Q4

20X1 Q4

20X2 Q4

20X3 Q4

20X4 Q4

20X5 Q4

20X0 Q4

20X1 Q4

20X2 Q4

20X3 Q4

20X4 Q4

20X5 Q4

■ Bank

■ State

■ All Banks