Bank Analysis School Case Study

YEAR END FIGURES UNLESS OTHERWISE NOTED

FDIC Certificate # XXXX OCC Charter # 0 Public Report Earnings and Profitability Percent of Average Assets: Interest Income (TE)

SUNNY STATE BANK Summary Ratios--Page 1

Summary Ratios

12/31/20X5

12/31/20X4

12/31/20 X 3

12/31/20X2

12/31/20X1

BANK PG 10 PCT

BANK PG 10 PCT

BANK PG 10 PCT

BANK PG 10 PCT

BANK PG 10 PCT

3.70 0.47 3.23 0.50 3.48 0.24 0.25 N/A -0.01 0.00 -0.01 0.04 0.00 0.04 0.04 88.92 79.12 4.16 0.53 3.63 N/A

4.17 0.47 3.69 0.57 3.31 1.00 0.12 0.00 0.86 0.00 0.00 0.86 0.76 0.00 0.70 0.76

25 53 20 45 70 10 81 10 87 10 14 98 14 14 10 93 29 60 31 76 17 21 27 50 65 57 82

3.68 0.38 3.29 0.46 3.70 0.06 0.24 N/A -0.18 0.04 -0.14 -0.32 0.00 -0.32 -0.32 87.93 80.14 4.18 0.44 3.74 N/A

4.05 0.36 3.68 0.73 3.51 0.97 0.10 0.00 0.82 0.00 0.00 0.82 0.59 0.00 0.48 0.59

30 61 26 36 68

3.78 0.38 3.40 0.60 3.72 0.29 0.15 N/A 0.14 0.06 N/A 0.20 0.15 0.00 0.15 0.15

3.98 0.35 3.61 0.70 3.45 0.93 0.12 0.00 0.79 0.02 0.00 0.81 0.63 0.00 0.54 0.63

34 60 38 51 72 15 68 14 83 15 16 98 18 16 12 96 48 65 46 60 26 13 42 28 71 84 84

3.82 0.39 3.43 0.53 3.61 0.34 0.06 N/A 0.28 0.27 N/A 0.55 0.37 0.00 0.37 0.37

3.92 0.34 3.56 0.72 3.53 0.83 0.09 0.00 0.72 0.02 0.00 0.75 0.60 0.00 0.51 0.60

41 65 40 44 63 22 51 26 96 31 28 98 28 28 22 96 53 66 51 73 22 22 31 67 83 83 8

4.02 0.53 3.49 0.46 3.45 0.49 0.15 N/A 0.35 0.34 N/A 0.69 0.46 0.00 0.46 0.46

4.01 0.39 3.61 0.71 3.49 0.86 0.08 0.00 0.77 0.01 0.00 0.78 0.63 0.00 0.54 0.63

50 77 38 38 57 26 73 25 99 33 32 99 36 32 22 94 57 79 47 68 29 19 31 42 76 86 81

- Interest Expense

Net Interest Income (TE) + Noninterest Income - Noninterest Expense

Pre-Provision Net Revenue (TE) - Provision: Loan & Lease Losses - Provision: Credit Loss Oth Assets Pretax Operating Income (TE) + Realized Gains/Losses Sec + Unrealized Gains / Losses Equity Sec Pretax Net Operating Income (TE)

9

85

N/A

N/A

N/A

N/A

N/A

11 94 11 13 98 13 13

N/A

N/A

N/A

N/A

N/A

Net Operating Income Net Inc Attrib to Min Ints Net Income Adjusted Sub S

Net Income

Margin Analysis: Avg Earning Assets to Avg Assets Avg Int-Bearing Funds to Avg Assets Int Inc (TE) to Avg Earn Assets Int Expense to Avg Earn Assets Net Int Inc-TE to Avg Earn Assets Loan & Lease Analysis: Net Loss to Average Total LN&LS Earnings Coverage of Net Losses (X) LN&LS Allowance to LN&LS Not HFS LN&LS Allowance to Net Losses (X) LN&LS Allowance to Nonaccrual LN&LS (X) Total LN&LS-90+ Days PD & Nonaccrual Non-Curr Lns+OREO to Lns+OREO Liquidity Net Non Core Fund Dep New $250M 30-89 Days Past Due

93.57 67.86 4.47 0.50 3.95 0.17 41.76 1.32 28.97

92.87 68.68 4.37 0.39 3.97 0.14 29.06 1.36 23.81

9

87.91 80.30 4.30 0.43 3.87

92.31 68.76 4.33 0.38 3.92 0.17 12.60 1.39 11.47

88.86 80.01 4.29 0.44 3.85

91.79 68.75 4.27 0.37 3.89 0.20 36.55 1.44 33.39

89.04 80.09 4.51 0.60 3.91

91.93 69.91 4.37 0.42 3.93 0.16 15.97 1.48 16.70

90 36 63 38

0.30 1.43 0.84 2.77 1.58 1.64 1.18 3.39

0.50 0.21 0.70 1.38 1.24 1.12 2.32 3.65

86

0.19 1.94 0.76 4.19 0.84 1.70 2.57 4.05

0.32 1.16 0.72 2.30 0.79 1.24 2.99 5.13

0.18 2.79 0.97 5.25 1.43 1.88 2.90 4.45

9 7 5

4.34 1.06 1.19 1.67

2.77 1.10 1.12 1.68

45 56 78 85

2.73 1.03 1.15 1.96

4.32 0.97 1.27 2.36

3.60 0.91 1.06 2.27

10.78 55.82 68.25

-7.00 61.89 71.79

92 28 39

8.98 52.79 65.07

-6.36 62.20 72.31

89 22 30

9.14 54.37 64.90

-7.78 61.17 70.95

86 28 30

7.70 54.37 65.13

-7.19 60.35 69.86

86 31 34

5.97 50.38 59.80

-6.24 60.12 69.89

80 25 28

Net Loans & Leases to Assets Net Loans & Leases to Deposits

Capitalization Leverage Ratio Total Capital Ratio

8.1692 14.4207

10.70 18.12 38.42 8.81

12 21 23 85

7.6913 15.2295 -20.30

10.52 17.68 41.94 9.15

3

8.4359 15.3238 140.68

10.37 17.49 37.43 10.73

16 32 93 85 59 13 60 96 37

8.8800 16.4900

10.22 17.70 33.15 13.11

27 46 72 85

8.5500 17.5200

10.00 17.09 30.76 12.90

26 57 63 83 10 69 14 96 18

30

Cash Dividends to Net Income

0.00 23.02

1

60.27 31.19

46.37 25.16

Non-Curr Lns+OREO to T1 Capital+Allowance

24.63

89

26.20

Growth Rates Total Assets Tier 1 Capital

-4.51 0.40 0.97 -73.91 -0.71

2.08 4.62 3.20

10 15 39

2.31 -4.83 -0.67

2.35 2.88 4.88 8.93

48

3.93 -3.41 3.94

1.94 2.93 2.87

-0.99 0.93 6.86 -97.16 -20.04

1.59 3.53 3.01

32 18 67

-4.98 5.19 -2.70

3.29 4.05 5.67 2.78 8.33

9

Net Loans & Leases Short Term Investments

22 97 88

26.25 32.79

6

1,176.21

267.86 -31.69

32.16 -5.90

23.16 -10.57

2

436.14 -44.69

Short Term Non Core Funding

52

128.12

15.58

49

Average Total Assets

82,589

84,215

81,327

80,260

83,949

Net Income

31

-271

118

297

386

Number of banks in Peer Group

63

75

82

97

106