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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