Bank Analysis School Case Study

Sunny State Bank

ASSET QUALITY RATIOS - TREND

Texas Ratio

Nonaccrual to Total Loans

1.40%

8.00% 10.00% 12.00% 14.00% 16.00% 18.00% 20.00%

19.90%

18.79%

19.66%

18.40%

1.24%

16.98%

18.31%

17.42%

16.42%

1.20%

15.93%

1.06%

16.08%

14.30%

14.77%

13.75%

13.66%

14.64%

0.95%

1.00%

13.67%

13.72%

0.90%

0.89%

13.00%

12.39%

0.93%

0.91%

0.80%

0.89%

0.80%

0.68%

0.69%

0.61%

0.68%

0.68%

0.56%

0.60%

0.61%

6.00%

0.56%

0.56%

20X0 Q4

20X1 Q1

20X1 Q2

20X1 Q3

20X1 Q4

20X2 Q1

20X2 Q2

20X2 Q3

20X2 Q4

20X3 Q1

20X3 Q2

20X3 Q3

20X4 Q4

20X4 Q1

20X4 Q2

20X4 Q3

20X4 Q4

20X5 Q1

20X5 Q2

20X5 Q3

20X5 Q4

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

Total Past Due (>30 Days) to Total Loans

ALLL to Total Loans

4.81%

5.00%

1.60%

4.73%

4.78%

4.58%

4.43%

4.50%

4.27%

4.23%

1.40%

4.05%

4.00%

4.05%

3.66%

3.45%

1.20%

1.12%

3.50%

3.43%

3.16%

1.00%

3.00%

3.12%

2.88%

0.97%

2.99%

2.82%

0.84% 0.86%

0.83%

2.80%

0.80%

2.50%

2.66%

0.75%

0.74%

0.80%

0.73%

0.83%

0.70%

0.78%

0.76%

2.00%

0.70%

0.73%

0.72%

0.71%

0.60%

1.50%

0.58%

0.54%

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

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

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■ State

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