Bank Analysis School Case Study
FDIC Certificate # XXXX OCC Charter # 0 Public Report
SUNNY STATE BANK Noninterest Income and Expenses--Page 3
Noninterest Income and Expenses
12/31/20X5
12/31/20X4
12/31/20X3
12/31/20X2
12/31/20X1
PERCENT OF AVERAGE ASSETS:
BANK
PG 10
PCT
BANK
PG 10
PCT
BANK
PG 10
PCT
BANK
PG 10
PCT
BANK
PG 10
PCT
Personnel Expense Occupancy Expense
1.52 0.52 1.45 3.48
1.82 0.40 1.06 3.31
25 78 79 70
1.73 0.50 1.47 3.70
1.89 0.43 1.12 3.51
36 73 78 68
1.68 0.52 1.52 3.72
1.86 0.44 1.10 3.45
34 73 85 72
1.62 0.47 1.52 3.61
1.87 0.45 1.13 3.53
34 58 83 63
1.44 0.44 1.57 3.45
1.84 0.47 1.15 3.49
17 42 83 57
Other Oper Exp (Incl Intangibles)
Total Overhead Expense
NON-INTEREST EXPENSES: Personnel Expense Occupancy Expense Goodwill Impairment Other Intangible Amortiz Other Oper Exp (incl Intangibles) PERCENT OF AVERAGE ASSETS: Fiduciary Activities Deposit Service Charges Trading, Vent Cap, Securtz Inc Inv Banking, Advisory Inc Insurance Comm & Fees Other Net Gains/Loss Other Non-interest Income Non Interest Income NON-INTEREST INCOME: Fiduciary Activities Deposit Service Charges Trading, Vent Cap, Securtz Inc Inv Banking, Advisory Inc Insurance Comm & Fees Net Servicing Fees Loan & Lease Net Gains/Loss Net Servicing Fees Loan & Lease Net Gains/Loss Non-Interest Expense
1,252
1,453
1,365
1,297
1,211
431
422
421
380
372
0 0
0 0
0 0
0 0
0 0
1,195 2,878
1,238 3,113
1,240 3,026
1,220 2,897
1,314 2,897
BANK
PG 10
PCT
BANK 0.00 0.17 0.00 0.00 0.00 0.01 0.00 -0.01 0.29 0.46
PG 10
PCT
BANK
PG 10
PCT
BANK 0.00 0.17 0.00 0.00 0.00 0.01 0.02 -0.01 0.34 0.53
PG 10
PCT
BANK
PG 10
PCT
0.00 0.18 0.00 0.00 0.00 0.00 0.01 0.01 0.30 0.50
0.00 0.22 0.00 0.00 0.01 0.01 0.01 0.00 0.23 0.57
89 45 95 93 64 81 76 73 68 45
0.00 0.25 0.00 0.00 0.01 0.01 0.04 0.00 0.27 0.73
86 39 98 93 56 82 73 21 59 36
0.00 0.15 0.00 0.00 0.00 0.02 0.03 0.12 0.30 0.60
0.00 0.23 0.00 0.00 0.00 0.01 0.03 0.01 0.28 0.70
87 37 98 92 55 80 81 87 62 51
0.00 0.24 0.00 0.00 0.00 0.01 0.03 -0.01 0.29 0.72
89 41 98 92 59 79 81 30 61 44
0.00 0.16 0.00 0.00 0.00 0.02 0.00 0.01 0.28 0.46
0.00 0.26 0.00 0.00 0.00 0.01 0.02 -0.01 0.28 0.71
91 33 99 91 58 80 79 55 38 0
0
0
0
0
0
150
140
119
133
131
0 0 0 0 5 7
0 0 0
0 0 0
0 0 0
0 0 0
12
15 23 95
11 17 -11 272 422
14 -2 12
0
Other Net Gains/Loss Other Non-Interest Income
-12 248 388
250 412
240 492
231 386
Non Interest Income
OTHER INCOME & EXPENSE RATIOS:
BANK 2.99 93.50 56.91
PG 10 2.71 76.33 66.74
PCT
BANK 3.24 98.48 63.17
PG 10 2.72 77.47 65.67
PCT
BANK 3.12 92.82 48.75
PG 10 2.67 78.28 63.77
PCT
BANK 3.08 91.35 56.39
PG 10 2.71 81.11 61.55
PCT
BANK 2.99 87.47 55.05
PG 10 2.73 80.34 58.71
PCT
Overhead Less Non-int Inc
75 89 26 56
78 90 42 57
77 83
72 78 35 60
64 73 39 71
Efficiency Ratio
Avg Persnl Exp Per Empl ($000) Assets Per Employee ($Million) Domestic Banking Offices (#) Foreign Branches (#) Assets Per Domestic Office
9
3.74
3.76
3.74
3.61
3.01
3.55
31
3.52
3.40
3.72
3.30
3 0
3 0
3 0
3 0
3 0
27,408
28,703
28,055
26,993
27,262
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