Bank Analysis School Case Study
FDIC Certificate # XXXX OCC Charter # 0 Public Report
SUNNY STATE BANK QTR Income Statement --Page 2a
QTR Income Statement $
Percent Change Prior Year QTR
12/31/20X5
12/31/20X4
12/31/20X3
12/31/20X2
12/31/20X1
603
621
618
602
587
-2.90
Interest and Fees on Loans Income From Lease Financing
0 0 0
0 0 0
0 0 0
0 0 0
0 1 1
N/A N/A N/A
Tax-Exempt
Estimated Tax Benefit
Income on Loans & Leases (TE)
603
621
618
602
588
-2.90
US Treas & Agency (Excl MBS) Mortgage Backed Securities
42 79 35 35 0
38 78 38 38 -34 120
35 61 36 33 33
43 65 69 49 49
53 53 91 82 82
10.53 1.28 100.00
Estimated Tax Benefit
All Other Securities
-7.89 -7.89 30.00
Tax-Exempt Securities Income Investment Interest Income (TE) Interest on Due From Banks Int on Fed Funds Sold & Resales
156
165
226
279
2 0
1 0
0 2 0 4
0 1 0 5
0 0 0 6
100.00
N/A N/A
Trading Account Income Other Interest Income
N/A
N/A
7
6
16.67
Total Interest Income (TE)
768
748
789
835
872
2.67
Int on Deposits in Foreign Off Interest on Domestic Deposits Int on Fed Funds Purch & Repos Int Trad Liab & Oth Borrowings Int on Sub Notes & Debentures
N/A
N/A
N/A
N/A
N/A
N/A
75
64
59
60
79
17.19 166.67
8
3
0
0
0
13
12
18
12
18
8.33 N/A N/A
0
0
0
0
0
Other Interest Expense
N/A
N/A
N/A
N/A
N/A
Total Interest Expense
96
79
77
72
97
21.52
Net Interest Income (TE)
672 105 777 633 144 148 N/A
669
712 214 926
763 137 900 678 222 N/A 218 4
775
0.45
Non-interest Income
90
94
16.67 2.37
Adjusted Operating Income (TE)
759
869
Non-Interest Expense
839 -80 108 N/A -188
827
687 182 N/A 111 71 146 N/A 257 -14 91 0
-24.55
Pre-Provision Net Revenue (TE) Provision: Loan & Lease Losses Provision: Credit Losses Other Assets Pretax Operating Income (TE) Realized G/L Hld-to-Maturity Sec Realized G/L Avail-for Sale Sec Unrealized G/L Equity Securities Pretax Net Operating Inc (TE)
99 15
N/A
37.04
N/A
N/A N/A N/A N/A N/A N/A
-4
84
0 0
0 0
0 1
0
91
N/A
N/A -188 185 -34
N/A
N/A 309
-4
85
Applicable Income Taxes Current Tax Equiv Adjustment Other Tax Equiv Adjustments Applicable Income Taxes (TE)
-15
4
29 70
-108.11 100.00
0 0
36
0
0
0
0
N/A
-15
151
40
99
77
-109.93
Net Operating Income
11
-339
45
210
180
N/A
Net Discontinued / Extraordinary Items Net Inc Noncontrolling Minority Interests
0 0
0 0
0 0
0 0
0 0
N/A N/A N/A N/A N/A N/A
Net Income
11
-339
45
210
180
Cash Dividends Declared
0
0
83 -38 N/A
82
96 84
Retained Earnings
11
-339 N/A
128 N/A
Memo: Net International Income Memo: Interest on Time Dep Over Ins Limit
N/A
N/A
5
6
12
14
21
-16.67
Made with FlippingBook Digital Proposal Maker