Bank Analysis School Case Study
Sunny State Bank
CAPITAL RATIOS - TREND
Tier One Leverage Ratio
Total Capital Ratio
11.00%
20.00%
10.00%
17.96%
17.52%
18.00%
8.90%
8.88% 8.97%
8.55% 8.78% 8.66% 8.75%
16.85%
8.70%
16.57%
9.00%
16.49%
8.41%
8.18% 8.30%
8.24%
16.09%
16.57%
15.94%
7.96%
7.89%
15.51%
16.00%
16.52%
8.51%
8.44%
8.00%
16.15%
14.71%
15.71%
7.72%
7.74%
15.32%
7.69%
15.28%
7.00%
14.66%
14.53%
14.00%
6.00%
12.00%
20X0 Q4
20X1 Q1
20X1 Q2
20X1 Q3
20X1 Q4
20X2 Q1
20X2 Q2
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
20X2 Q3
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
Tier One Capital Ratio
Common Equity Tier One Ratio
11.00% 12.00% 13.00% 14.00% 15.00% 16.00% 17.00% 18.00%
10.00% 12.00% 14.00% 16.00% 18.00%
16.87%
16.15%
15.58%
16.87%
15.45%
15.12%
14.94% 14.52%
16.57%
16.13%
13.92% 13.86%
16.13%
15.78%
15.38%
15.78%
15.74%
14.76%
14.58%
15.38%
15.81%
13.81%
15.12%
14.94%
15.69%
15.45%
14.92%
13.92%
14.76%
14.58%
2.00% 4.00% 6.00% 8.00%
13.81%
0.00% 0.00% 0.00%
20X2 Q2
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 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
The Common Equity Tier One Ratio became a new ratio in 2015. The Community Bank Leverage Ratio framework became effective in 2020 (banks opting into this framework do not report risk-weighted assets). The horizontal dotted lines in the charts reflect Prompt Corrective Action well capitalized thresholds ■ State ■ Banks
■ All Banks
*NOTE* Banks that opt in to the CBLR framework will not have certain Capital ratios reported
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