Bank Analysis School Case Study

Sunny State Bank

LIQUIDITY - LIQUID ASSETS TO TOTAL ASSETS

Liquid Assets to Total Assets

40.0%

36.5% 36.0% 36.3%

34.6% 35.0% 34.8%

36.0%

33.0%

31.4%

32.0%

28.5%

28.4% 29.1%

27.5%

28.0%

26.1%

Metrics

24.8% 25.0% 24.2%

24.4% 24.0%

27.0%

24.0%

Bank State All Banks

25.0%

24.9%

20.0%

16.0%

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

Liquid Assets to Total Assets (Breakout by Type)

40.0%

35.0%

30.0%

25.0%

Metrics

20.0%

Unpl. Sec FFS IBB Cash

15.0%

10.0%

5.0%

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

• For these charts, liquid assets include: unpledged securities, Federal Funds sold, interest-bearing bank balances, and cash & due. • Keep in mind there is some nuance with liquid assets. For example, small nonrated Municipal bonds might be difficult to sell or pledge, and some loans could be sold fairly easily (e.g. government guaranteed SBA or FSA loans, conforming 1-4 family loans).

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