Bank Analysis School Case Study
Sunny State Bank
ASSET QUALITY RATIOS - LEVEL
Texas Ratio
Nonaccrual to Total Loans
Quarter
Quarter
20X5 Q4
20X5 Q4
0.60%
0.53%
19.66%
20.00%
0.50%
0.43%
0.41%
16.00%
0.40%
12.00%
0.30%
8.00%
0.20%
5.08%
4.87%
4.00%
0.10%
Bank
State
All Banks
Bank
State
All Banks
Total Past Due (>30 Days) to Total Loans
ALLL to Total Loans
20X5 Q4
20X5 Q4
Quarter
Quarter
1.19%
2.82%
1.20%
0.40% 0.80% 1.20% 1.60% 2.00% 2.40% 2.80%
0.99%
1.00%
0.84%
0.80%
0.60%
1.18%
1.09%
0.40%
0.20%
Bank
State
All Banks
Bank
State
All Banks
AQ Ratios Qtr
High levels of delinquent and nonaccrual loans are often a sign of asset quality problems. Call Report Instructions state loans should be placed on nonaccrual status if they are over 90 days past due unless they are both well-secured and in the process of collection.
20X5 Q4
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